vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 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: OH

Complaint narrative:
XXXX is reporting an account on my tradelines by XXXX  XXXX XXXX/XXXX  XXXX. I contacted the number listed and spoke with a representative named XXXX on XX/XX/2019 at XXXX. XXXX told me that they don't have the account and she don't know why it's being reported. There is no reason why this account is being listed on the credit report and there is no file there according to their representatives. I disputed this account with EXPERIAN who stated they verified the account is accurate. There is no way they could have verified the account when in fact the company told me there is no account there.

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 2019-12-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2019 I filed a disputed with Equifax regarding 2 fraudulent collection accounts on my credit report, 1 with XXXX XXXX and the other with XXXX. I called to check on the status of the report on XX/XX/XXXX and was told the items were still under investigation. I called to check on the status again XX/XX/2019 and was told both items came back verified on XX/XX/XXXX. Magically and investigation had been completed prior to calling but I was told it was still in investigation on XX/XX/XXXX. I asked for an independent investigation showing how the item was verified XX/XX/2019 asking to speak with several supervisors and they ALL said " we don't conduct independent investigations. '' I informed them it is FEDERAL law and they stated they only follow company policy. I again informed them that was illegal as they furnish data and that can be considered defamation and under 609 federal law if the item can't be verified with physical documentation ( i.e. A contract ) it must be removed. They proceeded to say " take legal action if you want to. '' These accounts need to be removed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 my husband was sent an invoice for {$200.00} to pay through the " XXXX  '' app through our Chase bank account. This invoice was sent to purchase basketball tickets. My husband was under the impression that by using our Chase banking account we were protected against fraud. Chase promotes the XXXX app on their website as a means to send and receive funds as a chase account holder. We thought we were safe and protected as Chase states they do for their customers. However, once we paid the {$200.00} invoice the invoice sender never sent the basketball tickets. Figuring out we have been scammed we immediately called Chase to stop the payment and get our funds back. We were told by Chase that they do not offer any fraud protection for XXXX app and that we needed to call XXXX. So we called XXXX and XXXX explained to us that since the transaction was done through our Chase bank they can not help us, both Chase and XXXX informed us that we should file a police report about the fraud but neither companies were able to provide us any information about the person who received the money. Chase and XXXX went back and forth blaming each other for the fraud ( on a 3 way phone conversation with myself ) neither company is willing to help us get our money back. As a preferred member of Chase I was expected to be protected by my banking institution. Chase should not promote an app to its customer like XXXX and not protect its customers from fraud. I have ask both Chase and XXXX to cancel the transaction and return my {$200.00} but they have declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: Innovis
State: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 


XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: LEXISNEXIS
State: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 


XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: State Collection Service, Inc.
State: DE

Complaint narrative:
State Collection removed wrong information on my credit report. Report # XXXX Since XX/XX/XXXX I have been waiting for my score too reflect that which before this error my credit score was ( XXXX ). Need Too Update All 3 Credit Agencies. 
They fixed a previous problem in 24 hrs. I have a new Mortgage credit check inquiry starting XX/XX/XXXX. 
This is Crucial too get this made correct. Thanks XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AES/PHEAA
State: IA

Complaint narrative:
I have Federal Student loans that are in default with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have been trying to get these into a reinstatement agreement since XX/XX/2019. I had sent in the paperwork twice. First in XX/XX/2019, where I was informed the paperwork wasn't correct. However, when I asked what I needed to correct I never received anything in the mail ( which I repeatedly left voicemail messages for ). I finally was able to get someone to help ( not with XXXX XXXX XXXX ), and sent in the paperwork in early XX/XX/2019. After a couple of weeks, I contacted XXXX XXXX XXXX in early XX/XX/2019. The agent I talked with ( XXXX XXXX ),  told me they received my paperwork and that I owed {$5.00} a month, but that my agreement form wouldn't be sent out to me until I made my first payment. On XX/XX/2019 I made my first payment of {$5.00}, on XXXX XXXX XXXX 's website ( Invoice # XXXX ). I then called XXXX back on XX/XX/2019 and talked with XXXX, he told me they didn't have my payment applied to my account. He then berated me, used profane language, and threatened me with not being able to be in the reinstatement program. I gave him the invoice number and he said he would contact their accounting department. XXXX and I were able to get back in touch on XX/XX/2019 ( the date I told XXXX I would call back ). He informed me they still didn't have my payment on my account ( even though it had been 26 days since the payment was processed ). 

It seems like XXXX/XXXX  are lying, as it shouldn't take 26 days to apply a payment to an account. They also seem unprofessional, with the language they use, not speaking clearly into the phone repeatedly, not sending stuff through the mail when requested, and threatening to remove people from programs they have no authority to do ( only because I wouldn't give him my debit card number over the phone ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
debt collection company called NATIONAL CREDIT ADJUSTERS has called my home many multiple calls since XX/XX/19 claiming some type of arrest warrant was issued at county clerk office in my county and i was to be arrested at my home or at work and to be sure i had a proper government id when they arrived if i don ; t pay them a debt that has been disputed for lots of years with no solution in site .they also called every one in my family multiple times discussing my debt and asking them would they pay up my debt collection also .they call a lot on fridays and say that by monday if i don't send a payment by prepaid debit card that everything will be sent to local county clerk office, but every one knows that no one ever come to my house .its just a scam that they do on people to scare them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: Clarity Services
State: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 


XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: FactorTrust, Inc.
State: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 


XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
In early XX/XX/2019 I needed to make a major purchase, which I wanted to do with a balance transfer card. I called into American Express for help on opening this account, and expressly mentioned that I was attempting to transfer a balance between one American Express card and another. The representative I spoke to on the phone confirmed that this was possible, and helped me through the process of both approving my credit application for the new balance transfer account, as well as a credit increase on my existing account. 

Two weeks later, after I made my purchase on an American Express card, I was told by a different representative that I would not be able to transfer the balance between one Amex account and another. I told this new representative that I had been misled the first time around, at which point they directed me to a supervisor. This supervisor told me that a dispute had been opened on my behalf. 

Now in XX/XX/2019 I realize that my credit is being negatively impacted by the presence of an empty balance transfer account. I reached out to check on the progress of my dispute, and find that there is no record of a dispute on either of my American Express accounts. In fact, many of the documents associated with my account are completely unavailable online ( including the original cardholder agreement paperwork and any monthly statements more than 4 months old ). 

Upon realizing this, I reached out to Amex to close my account and try to open a dispute. After being promoted to a supervisor, I was able to get the supervisor to volunteer that I was given false information about my credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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: OH

Complaint narrative:
TransUnion is reporting an account on my tradelines by XXXX XXXX XXXX/XXXX  XXXX. I contacted the number listed and spoke with a representative named XXXX on XX/XX/2019 at XXXX. XXXX told me that they don't have the account and she don't know why it's being reported. There is no reason why this account is being listed on the credit report and there is no file there according to their representatives. I disputed this account with TransUnion who stated they verified the account is accurate. There is no way they could have verified the account when in fact the company told me there is no account there.

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 2019-12-02 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: CA

Complaint narrative:
XX/XX/2019 On XX/XX/2019 I spoke with a representative from Victoria 's Secret regarding my account. I asked what the full balance on my account was and how much I needed to pay in order to pay it off in full. I was told {$220.00}. I paid {$220.00}. Then in XX/XX/XXXX I was checking all of my credit cards and discovered that a fee had been charged to this same credit card by Victoria 's Secret. I called and spoke with a Supervisor XXXX ID : XXXX and advised that I had already paid my account in full and I explained that in XX/XX/XXXX there was a problem with their website which would not allow my original payment to process therefore I made a duplicate payment over the phone with a representative and paid the account in full. XXXX stated that the payment that would not process online due to their website issue was what I was being charged for and that if I didn't pay by XXXX XXXX he would see to it that it was put on my credit. I asked for a different supervisor and for paper statements to be sent out showing this false charge. XXXX said " Print them yourself! '' and hung up on me. I now find that there is a total of {$54.00} owing on this account and this is the SECOND time that I have been extorted by Victoria 's Secret/Commenity Bank who serves as the extorter. I would like these charges reversed and my account to show a XXXX   balance as it should. I also want any derogatory information placed on my credit removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XX/XX/2019 I filed a disputed with XXXX  regarding 2 fraudulent collection accounts on my credit report, 1 with Portfolio Recovery and the other with XXXX. I called to check on the status of the report on XX/XX/XXXX and was told the items were still under investigation. I called to check on the status again XX/XX/2019 and was told both items came back verified on XX/XX/XXXX. Magically and investigation had been completed prior to calling but I was told it was still in investigation on XX/XX/XXXX. I asked for an independent investigation showing how the item was verified XX/XX/2019 asking to speak with several supervisors and they ALL said " we don't conduct independent investigations. '' I informed them it is FEDERAL law and they stated they only follow company policy. I again informed them that was illegal as they furnish data and that can be considered defamation and under 609 federal law if the item can't be verified with physical documentation ( i.e. A contract XXXX it must be removed. They proceeded to say " take legal action if you want to. '' These accounts need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: NV

Complaint narrative:
XX/XX/XXXX the errors were reported to XXXX XXXX XXXX -- we were able to determine the information was submitted incorrectly for our adult child with us as being responsible. 
A universal delete was placed by XXXX XXXX XXXX on behalf of the medical facility/ambulance services and professional fees. 
XX/XX/XXXX was sent by XXXX XXXX XXXX in their credit reports submitted monthly. 

This past weekend we found that Experian has still been sharing incorrect information as well as incorrectly reporting this incident in any way. I am told by XXXX XXXX XXXX ( the collection agency which submitted the information ) that Experian is difficult to correct information. This needs to be resolved immediately as the billing was in error from start to finish and is currently rebilled to the proper insurances.

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 2019-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
Around XX/XX/19, BMW repossessed my car. 
The car was not 90 day past due. 
BWM added attorneys fees over {$2500.00} to the car not. 
BMW demanded that I pay over {$4500.00}, which included the attorney 's fees, to get the car back. 
The gave me 5 days notice after they took the car to pay {$4500.00} to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting an account on my tradelines by XXXX  XXXX XXXX/XXXX  XXXX. I contacted the number listed and spoke with a representative named XXXX on XX/XX/2019 at XXXX. XXXX told me that they don't have the account and she don't know why it's being reported. There is no reason why this account is being listed on the credit report and there is no file there according to their representatives. I disputed this account with Equifax who stated they verified the account is accurate. There is no way they could have verified the account when in fact the company told me there is no account there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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: PA

Complaint narrative:
I filed for bankruptcy on XX/XX/XXXX and was discharged on XX/XX/XXXX. I have attempted to call and dispute with experian on multiple occassions with no response from them. On my report I have 2 bankruptcies that are shown on experian which are the same bankruptcy. They have the petition for bankruptcy on XX/XX/XXXX and also have the bankruptcy for XX/XX/XXXX. The reference number is XXXX and XXXX cmb. I have explained to the company multiple times that these 2 bankruptcies that they have reported are indeed the same. It is affecting my report with this company because it shows that I have 2 bankruptcies when it should only show 1. Any help at this point would be appreciated.

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 2019-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I open wells Fargo account on XXXX for there bonus they are offering of XXXX terms were recieve XXXX when open account with direct deposit of XXXX or more which I've completed all my employers deposit I have ooma XXXX and XXXX I work for they deposit every week so I called too inquire about bonus offer code XXXX they said I didn't qualify even though I reached the XXXX deposit they told me the way my employers were depositing didn't count toward promotion offers I let them know I'll be reaching out too cfbp they told me good luck.

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 2019-12-02 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
XXXX  Credit reporting agency is reporting that I owe {$170000.00} for Carrington Mortgage. The balance that XXXX  is reporting is incorrect. The balance for Carrington Mortgage should be reflecting {$93000.00}. Please investigate XXXX  for reporting the wrong credit information for Carrington Mortgage. Please update my credit report and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I recently filed an identity theft report in XX/XX/XXXX and there is still showing a collection from Credit Collections SVCS for {$320.00}. I included an identity theft affidavit with my report and it needs to be removed immediately due to identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation