vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 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: MA

Complaint narrative:
When attempting to submit a dispute by clicking on Experian 's Icon start a dispute online, I was directed to a page " Page not found '' https : //www.experian.com/XXXX https : //www.experian.comXXXX XXXX  Therefore Experian is blocking my ability to file a dispute with them.

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 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
incorrect applications of my payments, spend a lot of time correcting mistakes was sent a letter that my escrow would be short one penny, sent a payment of {$1.00} with a note that it should go towards escrow and was not done. Called several times to get corrected Made a payment XX/XX/XXXX, received by cap 1 XX/XX/XXXX. they extra payment was sent to unapplied funds and a note on my statement that when i make a full payment then t thehey 'll apply to my loan and they will continue to report to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: KY

Complaint narrative:
On XXXX XXXX, XXXX, Equifax reported a breach for over 143 million consumers due to a breach of consumer data from their system. The issue was known by the company on or around XXXX XXXX, XXXX and they failed to inform the consumers of the issue. Before they notified consumers of the breach, the CEOs sold millions of dollars worth of their stock. I checked their website and found that me and my adult children could be part of this breach. I have been able to freeze my credit on the other two reporting agencies but can not do this with Equifax. I have tried multiple times starting on XXXX XXXX, XXXX to freeze my credit with Equifax both online and via customer support with no success. The website will not give me a PIN number to freeze my credit. The robo messages that I receive when I call tells me to submit my personal data in a letter that only goes to a XXXX XXXX in XXXX Georgia. There is no way that I know that my data would be compromised again since I can not certify or register the letter due to the letter being sent to a XXXX XXXX address. I do not plan to do this. When I eventually get to talk with a customer support representative they tell me they can not freeze my credit by phone. A promise of a supervisor to call me back was noted on XXXX XXXX, XXXX and no one returned my call. I have also contacted the FTC and filed a complaint. The consumers never signed up with this company to deal with my credit. We as consumers should have lifetime monetary coverage by this company in the event that our identity information is compromised in the future. They should be the responsible party to correct this issue on a lifetime basis with no cost to the consumers affected. many consumers can not afford the cost that could be incurred due to this breach.The CEOs who sold their Equifax stock prior to the reporting of the issue should be held responsible. They should place all of their sold share profits in a fund to help the consumers recover any losses incurred during our lifetime. The CEOs should be fined and sent to prison for knowingly failing to fix their security issue when first told back in the Spring of XXXX. This whole process is full of negligence and failure to protect the consumers of the United States. Please remember the 143 million + consumers affected by this travesty and do what is right and just for the citizens of the United States. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
I closed both Continental Finance credit cards ( XXXX ) and ( XXXX  ) due to the excessive fees they charge so no further activity could occur. Due to XXXX XXXX XXXX and doctor bills related to these XXXX I am late on my payment. Day 1 they started calling multiple times at very inconvenient times, on a two hour interval. I work from XXXX - XXXX through the week and they are calling while I am at work starting at XXXX central time up to XXXX and they call one time then I turn around and another call is right after it. When I received more calls after I told XXXX in customer service do not call again as Continental Finance has called excessively per day when he called on XX/XX/2017 at XXXX or XXXX, he said he would remove my phone numbers so I wouldnt get any more calls but I have received several more. I am considering further actions with the court system concerning violation of The Fair Debt Collection Practices Act ( FDCPA ) for amount I have heard about as I have consulted a lawyer regarding this wrong practice.

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 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA

Complaint narrative:
American medical collection agency licensed expired and they are not able to collect a debt from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was on the phone with Chase Freedom General Correspondence Card Service updating my credit card account, personal information, and payment history. I was never late paying my Chase credit card bill. Chase Freedom General Correspondence Card Service was reading my personal information and credit card account to me on the phone, updating my address, area code, phone number, social security number, date of birth, and age, I responded yes on the record line. I did n't realize it was a third party call, after releasing my personal information to them, which it was repeated back to me. When I realize it was a third party phone call, I immediately told Chase Freedom to cancel the call, I realize my personal information was release to a third party, from XXXX XXXX XXXX. When I immediately found out what Chase Credit Card did, I immediately paid them in full and close my Chase Freedom Credit Card, I now have a XXXX balance with them. XXXX XXXX XXXX and XXXX XXXX from Department XXXX, contact number ( XXXX ) XXXX, Consumer Employer # XXXX Dept. Card Member Services confirmation number XXXX were on the third line. I phoned my sister XXXX XXXX about the fraudulent situation, she told me that she was going to pay XXXX XXXX XXXX   XXXX  in full because they were going to use my Social Security number and personal information against me, although I did n't sign or agree to making payment to XXXX XXXX XXXX, it was agreed on the record line that XXXX XXXX XXXX was going to pay XXXX XXXX XXXX  in full following by a confirmation number XXXX. XXXX XXXX XXXX and XXXX XXXX agreed for a full payment of {$14.00}, XXXX confirmed by both XXXX XXXX and XXXX XXXX in the month of XX/XX/XXXX, with a written agreement from XXXX XXXX XXXX, but later I start receiving bills in the mail from purchases that they made totaling {$14000.00}. I never use a XXXX credit card nor receive one in the mail. The agreed confirmation was read to XXXX XXXX XXXX on a record third party phone call, after she agreed to pay the full amount, she has later XXXX, the only proof I have is the confirmation number, and credit card bill. I did not receive a credit card, but instead I received a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened case # XXXX which you closed without resolution of the problem. Chase opened this credit card without following the 7 year fraud alert on each of the 3 credit reporting agencies. There are explicit instructions that I must be contacted at the phone number listed on the 3 credit reporting agencies. Chase never contacted me and opened the credit card in question ignoring the 7 year fraud alert instructions. I have repeatedly called Chase fraud department for an explanation and they have none. I want them held responsible for this irresponsible action which could have resulted in serious consequences to me had I not acted quickly to close the account. Chase did correct the fraudulent credit card with the credit reporting agencies but this is much more serious. Why would the case be closed when this serious issue was not addressed by CFPB? This activity by Chase should be made available to consumers. In the letter to me from Chase dated XX/XX/2017 the address card number ending in XXXX which was NEVER questioned in my original complaint. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received a promotional offer by email on X/X/2017 for opening a Citibank XXXX XXXX credit card. Promotion indicated I would receive XXXX miles in my XXXX XXXX account if I spent {$2000.00} in the first 3 months. I met the spending requirements but never received the XXXX pts in my XXXX XXXX account. After numerous phone calls to both XXXX XXXX & Citibank, I was informed I did n't meet eligibility requirements due to some technical details in the fine print. Apparently Citi has a method for determining eligibility. This should be factored in before sending the promotional offer ... and certainly again when the application was submitted before the card was issued. I never received notice I did n't meet requirements until I inquired 6 months after the credit card was issued. I find the practice extremely deceptive. After lack of resolution, I cancelled by Citibank credit card and will not conduct business with Citi unless this is remedied.

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 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Central credit services licence expired and they should not be trying to collect a debt from me

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 2017-09-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached TransUnion screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX and XX/XX/XXXX 2016 to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the 5th as scheduled. Also attached is a payment ledger from 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 2017-09-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached XXXX screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the XXXX  as scheduled. Also attached is a payment ledger from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached XXXX screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX and XX/XX/XXXX2016 to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the XXXX as scheduled. Also attached is a payment ledger from 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 2017-09-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX license expired over a decade ago an there trying to collect a debt from me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rothstein Acquisitions LLC
State: PA

Complaint narrative:
received call from XXXX XXXX who states he is a paralegal who is calling to get a statement from me, he stated I need to call before XXXX and that failure to call will result in lawsuit claim and possible civil action. He left a number of XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-15 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Got the email about the XXXX data breach. Have been getting emails about my credit score decreasing from XXXX ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do. 

Waited for some of the dust to settle after the data breach announcement, tried to check my report with transunion. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ). 

It has been less than a year since my last credit report at XXXX, and I hoped that XXXX had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests. 

I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of identity theft.

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 2017-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NY

Complaint narrative:
I made my XXXX 2017 payment in XX/XX/XXXX. I noticed it never came out of my account so I contacted Discover Student Loans and was told by written correspondence and over the phone twice that my payment was not received and to check with my financial institution. I called in again and tried to make a payment over the phone, despite the fact that I was on hold for twenty minutes, Discover was unable to make the payment and told me to call later. I work and do n't have time for twenty minute calls like this. At the same time, Discover has taken away my ability to make on-line payments. I contacted Discover in writing again and again was told that the late payment was my fault and that my interest rate has gone up because of it and that on-time payment benefits have been cancelled. Now today, XX/XX/XXXX, the XX/XX/XXXX payment has finally come out of my checking account from two weeks ago and I called the number on the letter that Discover sent me and I was told that was the wrong number to call ( again ) and that the department that needed to help me was not available because I called too early. The letter did n't list a time to call. In fact, the letter says that help is available 24/7 but no one on the phone or on line has been able to help, everyone has insisted this is my fault even after they now have my money which proves I made the payment. It 's a lot of hassle and makes absolutely no sense. I do n't have time to call Discover all day long to try to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My account was compromised and Equifax took their time and notifying me. 

Previously my life was ruined because someone stole my identity .... Which is why I had Equifax in the first place. 

They had a breach and dis not notify their clients. That is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Got the email about the equifax data breach. Have been getting emails about my credit score decreasing from equifax ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do.
Waited for some of the dust to settle after the data breach announcement, tried to check my report with XXXX. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ).
It has been less than a year since my last credit report at experian, and I hoped that equifax had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests.
I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Got the email about the XXXX data breach. Have been getting emails about my credit score decreasing from XXXX ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do. 

Waited for some of the dust to settle after the data breach announcement, tried to check my report with XXXX. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ). 

It has been less than a year since my last credit report at experian, and I hoped that XXXX had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests. 

I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of identity theft.

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 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NE

Complaint narrative:
Initially I thought this item was a result of unauthorized use because I knew I did not have a balance with the company. After reviewing the documents they sent for validation, I now have a better understanding of how the account was handled. I placed an order to XXXX and the original order was sent to the wrong address. The company said they would resend the items to my mother ( they were two of five gifts I sent her. ) Months later, I asked my mother why she never wore the dress and hat I sent she said she never received the items from XXXX. I contacted the company directly and informed them that she never received the items, requested a refund of the payments I made, and that the account be closed. I assumed my wishes were honored. Now I see that they were not.

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