vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-22 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: CO

Complaint narrative:
XXXX XXXX XXXX have been re-aged repeatedly - see attached XX/XX/XXXX credit reports. Closed accounts are reposted with newer closed dates and payments are shown in closed accounts to continue reporting. 

Age off dates are posted in my credit reports XXXX, XXXX, XXXX, XXXX they just keep moving forward. 

I disputed the report two weeks ago and the CRAs posted a year of new payment activity in the long since closed account in response last week. 

Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
I spoke with XXXX 's in XX/XX/XXXX about me losing my job and needed to have a cheaper company refinance my loan. But do to XXXX 's not keeping car titles locally keeps other companies from being able to buy out my loan at a cheaper rate. I did not realize XXXX charges almost 50 % more than other title companies. Although XXXX agreed for me only to finish paying {$1200.00}, the whole point was that i am unemployed and have no income. i have struggled and able to pay {$800.00} of that but i am unable to come up with the last {$400.00}. i am a single mother of XXXX kids and this being our only form of transportation, i should not have to lose my car over {$400.00} when in reality i have paid back what i originally borrowed to begin with plus interest. my original loan was {$1500.00} and ive paid {$1800.00}. so they have made money off me. I lose our car i have no transportation for me and my children

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
This involves two different issues that I need solved in the next four days ( byXX/XX/XXXX ), otherwise I will have to escalate this even further.

I was previously given a Dividend card sometime in XX/XX/XXXX, and a few weeks ago (XX/XX/XXXX) I was approved for a ThankYou Premier Card. I have attempted to have both of them shipped to me successfully ( a basic thing ) and both have been misdelivered or lost in the mail, the first ( Dividend ) somewhere between three and five times now over the course of seven months, and the Premier sometime over the last week.

I needed the Dividend for a relevant purchase over six months ago and have still been waiting for it to arrive. I was told by one representative that it was " already sent, '' but it never arrived, then told by another that it was returned as undeliverable ( that would be Citi 's issue, not mine, as I have a correct address listed ), and by another after several attempts to have it sent that it " was sent over a week ago '' ( when it had been sent several months prior ) but that a new card would be expedited to my address at the time and " arrive [ within two days ] '' ( two weeks later and it still has not shown up ).

The Premier card was supposed to have arrived over a week ago, and is needed byXX/XX/XXXX for a relevant major purchase, but has not shown up.

I have moved from the address I previously listed and will be moving again shortly, so I need it delivered tomorrow ( Saturday XX/XX/XXXX ) or Tuesday ( XX/XX/XXXX ) -- no exceptions. The address it must be delivered to is NOT the following, as I have moved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX but is the following : XXXX XXXX XXXX XXXX XXXX OR XXXX I am moving again onXX/XX/XXXXso both cards absolutely must be delivered by XX/XX/XXXX ( doable through overnight or same-day express delivery ). Again, they must be delivered to the following address : XXXX XXXX XXXX XXXX XXXX OR XXXX I did not want to use the CFPB to accomplish such a basic task as receiving credit cards after seven months, but I have continuously been told false things or downright ignored in every other method of contact ( phone, email, online forms, etc ). I even called a few minutes ago and as soon as I explained my situation, the rep went completely silent and did not respond.

I do not have my card numbers ( as the cards have never arrived ), so the only identification information I can give you are the two addresses listed above, my name ( XXXX XXXX ), and my online user ID ( XXXX ). That should be sufficient, however.

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 2017-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: NV

Complaint narrative:
I received a bill by email from for an item I NEVER received, it had my name, address and city was wrong.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I have a problem with getting my identity verified at Coinbase. It was not a problem the last few months but now it appears that they do n't know who I am. I have been unable to perform any transactions at all. I am unable to sell any XXXX, XXXX, or XXXX. I noticed about 6 weeks ago that I essentially lost control of my money and assets. After a few weeks of trying to use their online solutions, I became fed up and sought the assistance of a real person. I called at least 5 times and waited over 30 min on hold each time with no answer. Finally I just wrote an email and received a return email that said they would get back to me when they can. I have lost all buying and selling opportunities for the last month and a half. I am also unable to withdraw any funds to my bank account. Funny thing though, I tried depositing into the account from my bank account and apparently they knew me well enough to receive my money and take the deposit. I sent the email on XXXX XXXX and received an email the same day saying they will get back to me later.. I would like to have access and control over my own account and to not be locked out and ignored. Customer support is a complete joke and it feels as though they have just taken everything from me and could care less

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: Synovus Bank
State: IL

Complaint narrative:
XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear CFPB, I check my credit report weekly as I am working diligently to repair my credit report. It affects how much I pay for everything. Today I logged in to XXXX XXXX and my score dropped over 50 points. My jaw hit the floor. It was a collection account that was added. I never received one letter of collection nor did I receive a phone call. I am in the process of moving and this just bumped me out of qualifying for our new place and we gave notice that we are moving. I can being to tell you how violated and upset Ifeel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: WA

Complaint narrative:
I walked into a Keybank branch in XXXX, WA on XXXX/XXXX/XXXX to figure out what promotions they had for new customers. I was told by a XXXX that I could get {$300.00} for opening an account with deposits of {$1000.00} per month. I agreed to opening the account. After the account was opened she told me that I had to have at least one deposit of at least {$1000.00}. I told her that I was traveling and I 'm not sure if I could do that. We agreed to reverse out the account due to her negligence in telling me the {$1000.00} requirement and I would come back tomorrow to open the smaller account with less requirements. 

I came in the next day XXXX/XXXX/XXXX and opened the account. She called her internal department to ensure that she was n't going to be penalized and that I was still eligible for the promotion. She was told that I was and we opened the account. After I thought I reached the requirements I contacted her ( XXXX ) by phone and she confirmed that I had and that I should get the money without a month or two. Time passed and I never got it. 

I called her multiple times and even went into the branch and each time I kept getting promised a call back and never got one. She finally called today and told me that because her computer system saw the first account opened and closed the same day, I am not considered a new customer and there was nothing I could do. 

I would NOT have opened the account had I known I would have jumped through their hoops just to be told that there was nothing they could do and they were sorry. 

Their agents admitted that I should qualify but because of the system glitch created by XXXX, it is preventing me from getting they money promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NY

Complaint narrative:
I received a collection letter from the company Virtuoso back on XXXX XXXX XXXX regarding a charge from XXXX. I sent a certified letter on XXXX XXXX XXXX XXXX and also the collection agency. As of today I have never heard from XXXX or the collection agency regarding my dispute letter. Today XXXX XXXX I receive a new collection letter from the company XXXX telling me that XXXX has now turn my account over to them. I contacted XXXX today regarding this letter and they told me they never received my dispute nor anything from the collection agency saying I was disputing it. I have the signed certified receipts showing that both companies receive them. Is n't it a law that the company and the collection agency have to reply to a dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: CA

Complaint narrative:
I sent this company a letter disputing several incorrectly reported items on my credit report. Correspondence dated XXXX XXXX, 2017, informed them of the accuracies and violations of the FCRA resulting from their negligence and none compliance. There had been inaccurate and incomplete information from the account opened date, closed date, payment history, balance and the highest balance being reported. There are even items that have been removed from the other credit repositories that this company did not. What documents did you use in your investigation? I definitely need a copy of that. The verifying documents that only this company was able to acquire or was only provided to this company. Why and how this company was able to acquire those documents and verify these pieces of information is a mystery since other bureaus are not able to. This obviously looks like a violation of FCRA, Please see attached copies of the letter I am mailing them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: IL

Complaint narrative:
XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.

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 2017-12-23 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: IL

Complaint narrative:
XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.

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 2017-12-23 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:
I sent this company a letter disputing several incorrectly reported items on my credit report. Correspondence dated XXXX XXXX, 2017, informed them of the accuracies and violations of the FCRA resulting from their negligence and none compliance. There had been inaccurate and incomplete information from the account opened date, closed date, payment history, balance and the highest balance being reported. There are even items that have been removed from the other credit repositories that this company did not. What documents did you use in your investigation? I definitely need a copy of that. The verifying documents that only this company was able to acquire or was only provided to this company. Why and how this company was able to acquire those documents and verify these pieces of information is a mystery since other bureaus are not able to. This obviously looks like a violation of FCRA, Please see attached copies of the letter I am mailing them 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 2017-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am an American Express Platinum account holder. As one of the benefits offered by American Express as a Platinum Card holder is Travel arrangements provided by American Express. On or about XX/XX/XXXX I used their services, on-line, to purchase an emergency flight and hotel accommodations. Within 24 hours of making this reservation, I called American Express Travel directly at approximately XXXX XXXX  XX/XX/XXXX to inform American Express Travel Agent to cancel the entire arrangement. The agentwho took y request, in my opinion, was extremely agitated which I assumed was due to the XX/XX/XXXX travels. Nonetheless, this Customer Service Agent at American Express Travel forgot to cancel my flight with XXXX XXXX. I was charged for {$690.00} for her error. I have made two previous disputes. The first was denied because I did not provide appropriate documentation, with the second I was able to provide names, date and even spoke with a supervisor who acknowledged the agent did not cancel the flight reservation. This supervisor has the transcript of my call requesting the cancellation. 
I was informed XX/XX/XXXX that my dispute was denied because I did not cancel my flight directly with XXXX XXXX. I did not have a ticket or confirmation number from American Express Travel since the arrangement was made directly with American Express Travel within the 24 hour  cancellation policy. The Agent did mention that the XXXX reservation may not be refundable and I informed her as a XXXX XXXX member all reservations are refundable. I called XXXX at spoke with the night manager and he assured me the cancellation was not a problem and neither I or American Express would be charged since the cancellation was made less than 24 hours from being made. 
This American Express Travel Agent was responsible for cancelling my flight. She did not cancel as instructed and now I am being charged for her error. I did not deal directly with XXXX and had no information to provide to XXXX. 
I was also told by an American Express Supervisor this evening that American Express Travel has  no affiliation with American Express Credit Card Company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: MI

Complaint narrative:
I have a private student loan on my credit report under XXXX ( XXXX ) and XXXX XXXX ( XXXX ). This loan is from XXXX XXXX XXXX. I was unaware that the loan in question was in default as I was a cosigner on a student loan intended for another person. It was only until recently I 've looked up my credit and started repairing it. I was told by a mortgage agency that I would have to get this loan resolved. I have called multiple times and sent them an email ( XXXX ) over their website requesting contact in an attempt to reach a settlement and begin repayment. I have not been able to talk to anyone by phone and received no response to my email inquiry. The mortgage agency also attempted to call AES/XXXX on my behalf with no answer. There are no other numbers listed on either credit report. Under comments it simply states written off as bad credit/sent to collections. With no information on how to contact said collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IL

Complaint narrative:
My IDR was denied and no reason was given other than they would send me a letter. Naturally, I tried calling as soon as I got the email but they were already closed for the holiday ... my loan replayment plan ends XXXX. Last year with my repayment recertification, they made me go into forbearance for more than a month while they reviewed my application. This year, I made sure to recertify in a timely manner. My job and income have not changed yet for some reason my IDR was denied. I strongly dislike XXXX XXXX. I feel they intentionally place obstacles in the way to cause your loans to back up and need to go into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: DISCOVER BANK
State: IL

Complaint narrative:
This is a continuation of XXXX about DISCOVER CARD. 

Unfortunately, Discover did not update my information with the credit agencies as noted in the XXXX letter. 

In XXXX, I had the opportunity to refinance my mortgage at 4.00 %. My original rate was higher than it should have been because of the ding to my credit report. 

Because my information was not updated by Discover to the credit agencies, when I went to refinance, I did not qualify for the 4 % mortgage rate as my credit score was still dinged. 

After reaching out to Discover in XXXX, they did fix their error with the agencies ... .however, interest rates had moved up and the lowest rate that I could get was 4.125 % as the process took a bit over a week. 

This is an extra {$280.00} a month I am paying through no fault of my own and, over a 30 year mortgage this is around {$10000.00} in extra payments. Had my information been updated a month, two months, three months, four months after the letter was received, I would have been fine and would have been enjoying a 4 % rate. 

I would like Discover to look into making a contribution to the extra payments that I have to make as I am being punished and paying a higher rate than 4 % due to their oversight and 5 months after the letter, no update of my status with the credit agencies.

Company response to consumer: Closed with monetary relief