vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-12 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: FL

Complaint narrative:
I was contacted by XXXX XXXX XXXX, in XX/XX/2016 who offered to buy my timeshare in exchange for their vacation program, which had much lower yearly costs. They set me up with VP Title Company, who informed me it would cost {$2600.00}, plus my timeshare to enroll in the new program. Much of this fee was to TRANSFER my timeshare. They stalled the process until XX/XX/XXXX at which time they said my timeshare had been transferred. I called XXXX XXXX and found NO TRANSFER HAD OCCURRED. They simply CANCELLED my timeshare, which was valued over {$10000.00}. Furthermore they never offered me the new vacation program through XXXX XXXX XXXX. I contacted American Express within a day or two, in early XX/XX/2016, informing them what happened and they started dispute. VP Title sent information stating that CANCELLATION AND TRANSFER meant the same thing. I sent them information from XXXX XXXX stating these terms certainly did not mean the same thing and since I paid for transfer, not cancellation, I requested my money back. I have repeated disputed this with American Express ( >2 years ), requesting conference calls with VP Title or XXXX XXXX, or speak to manager. I never get my requests honored and never get the same person to speak to. Just chain letters from American Express requesting more info, but never addressing the information that I sent from XXXX XXXX  that A TRANSFER OF MY TIMESHARE WAS NEVER MADE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have 4 address on my credit report that I have never lived at on my credit report with XXXX.Also the companys that are reporting these address also have collection accounts in my name as well as the incorrect spelling of my name and the wrong names.I have reached out the these companys with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: TX

Complaint narrative:
On or aboutXX/XX/XXXX, a dispute was put in related to XXXX XXXX reporting over the balance and causing a decrease in FICO score. This month XXXX XXXX has made another such internal and external component error for failing to remove from the balance as an adjustment on fraud charges. XXXX XXXX has increasingly target me and the only such financial institution that has reported to Experian to decrease my credit score in an effort to have me remove from obtaining Federal Student Aid with the Government. This is a discrimination effort on their errors to do harm. I have file on their errors and their customer service in the Fraud department are RUDE and Abusive. I received a call from the XXXX XXXX   headquarter that told me two weeks ago that an investigation will accrue on calls. Their agents use the phone to harass and treat me as though I had no education and was a " XXXX ''. The harassment by their continued reporting to harm my credit is very damaging and unfair. The company need to investigate the agents involved in this harassment.. Please investigate! ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a fraudulent hospital bill for XXXX $ on my credit report. XXXX immediately corrected it. I've submitted several disputes to Equifax and when they email me a link to login and review the result, I'm required to fill out a questionnaire about my credit report to verify my identity. Not even 1 of the 4 questions have any accurate information regarding my true credit report. I've attempted this 10 times already. The collection company is XXXX XXXX XXXX XXXX. I asked them to send me a copy of the bill. The bill doesn't show any services received or reason for the charge. I did attempt to go to the hospital on the date of the bill. But I only went as far to sign in. Once I learned It would be more than an 8 hour wait, I immediately left.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: MI

Complaint narrative:
I have sent 4 letters to Experian to update or remove inaccurate information from my credit profile, and they have not did their due diligence in this process, meaning they are getting results back in less than a week, I feel like they are just using the XXXX XXXX   and not letting a human read and do the work. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question, I have asked for this information several times with no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was shocked when i review my credit and notice the late payments in one of my capital one credit card in XXXX and XXXX account number XXXX, i believe i have made my payments to you on time, the only thing could happen is the statement did not get on time to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has reported an account delinquency on a paid off account. I owe no balance on the account since XX/XX/18. They originally ove rcredited the account giving me a surplus balance which was intended for another credit card, same company. Both numbers were listed on the check and both payment slips were included to correctly identify the amounts. 
On XX/XX/18 I realized they had made a mistake and called to have it corrected. The Capital One employee backed out the payment and once again credited the incorrect account. On XX/XX/18 I owed nothing in XXXX they reported a 30 day overdue payment for the original amount {$57.00} plus XXXX in interest. I have had this happen with Capital One over a 13 year relationship a number of times and so am currently calling in my payments separately for each account but they charge additional fees for that. 
On XX/XX/18, I called and they rectified and backdated the payment to reflect ALL 3 errors on the part of Capital One, and are sending me a letter with the specifics in the meantime I have a delinquency on my credit report and my score dropped about 20 points which could change my interest rates in other credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bonial & Associates, P.C
State: TX

Complaint narrative:
I received a Foreclosure notice from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX RECEIVED on XX/XX/XXXX according to the Fair Credit Act I am allowed at least 30 DAYS from the Date Of RECEIPT to respond and they Foreclosed on my home on XX/XX/XXXX that's only 18 days. Fair Debt Collection Practices Act Notification clearly states I have 30 day after RECEIPT of the notice, to dispute the validity of the debt or any portion thereof with XXXX XXXX XXXX, XXXX, or XXXX XXXX. I want the XXXX XXXX XXXX, XXXX, to " Resend '' the foreclosure of my home and give me the protection I deserve under the Fair Credit Act, they violated my " legal right to fair credit ''. 

I have 60 days to dispute a charge. If you catch a billing error on my statement, I have the right to dispute the charge with your creditor, but you have to act quickly. Under the Fair Credit Billing Act, you have 60 days after the bill was mailed to you to report the incorrect charge. The " Foreclosure Bill was mailed on XX/XX/XXXX I still have more days to respond and they have already " Forclosed '' on my home, which is a violation of my civil rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: TX

Complaint narrative:
On or about XX/XX/2018, a dispute was put in related to Chase Bank reporting over the balance and causing a decrease in FICO score. This month Chase Bank has made another such internal and external component error for failing to remove from the balance as an adjustment on fraud charges. Chase Bank has increasingly target me and the only such financial institution that has reported to XXXX to decrease my credit score in an effort to have me remove from obtaining Federal Student Aid with the Government. This is a discrimination effort on their errors to do harm. I have file on their errors and their customer service in the Fraud department are RUDE and Abusive. I received a call from the Chase Bank headquarter that told me two weeks ago that an investigation will accrue on calls. Their agents use the phone to harass and treat me as though I had no education and was a " XXXX ''. The harassment by their continued reporting to harm my credit is very damaging and unfair. The company need to investigate the agents involved in this harassment.. Please investigate! ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: PRESTIGE FINANCIAL SERVICES INC
State: MI

Complaint narrative:
Prestige Financial Services is incorrectly reporting the balance owed on my account on all three credit reports. The actual balance as of XX/XX/18 was {$8000.00}. I make payments biweekly and this balance will go down every month. Prestige needs to accurately report the balance owed monthly! It says on my credit reports that the last time they updated the balance owed was XX/XX/2018 and left it at XXXX obviously this is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have 4 address on my credit report that I have never lived at on my credit report with XXXX.Also the companys that are reporting these address also have collection accounts in my name as well as the incorrect spelling of my name and the wrong names.I have reached out the these companys with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I have reached out to this company with no resolution, this account does not belong to me it is also reporting a address I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I recently upgraded my XXXX Amex card to the XXXX XXXX   card, with the understanding that I was eligible to receive XXXX promotional points for meeting spend requirements within the first three months of the upgrade. I exceeded the soend requirements within a month of the upgrade. When I called to confirm, Amex initially told me that I should wait 6-8 weeks for the points to show, but that I was eligible to earn the points. After waiting as I was told, I have still not received my promotional points. When contacting Amex customer service, I was given the runaround and told that a ) no promotional bonus was attached to my account and b ) that I should wait another 6-8 weeks for the team to investigate. It has been over 10 weeks since the initial inquiry, and I still have not received my promotional points despite having hit all spend requirements and paid for all annual fees/payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was reviewing my credit and noticed a 30 day past due in my sync/XXXX account number XXXX in XX/XX/2012, i am not sure why this happened, i believe that i had made my payments to you on time, my only thought is that my statement did not get to me on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has reported an account delinquency on a paid off account. I owe no balance on the account since XX/XX/18. They originally ove rcredited the account giving me a surplus balance which was intended for another credit card, same company. Both numbers were listed on the check and both payment slips were included to correctly identify the amounts. 
On XX/XX/18 I realized they had made a mistake and called to have it corrected. The XXXX XXXX employee backed out the payment and once again credited the incorrect account. On XX/XX/18 I owed nothing in XXXX they reported a 30 day overdue payment for the original amount {$57.00} plus XXXX in interest. I have had this happen with XXXX XXXX over a 13 year relationship a number of times and so am currently calling in my payments separately for each account but they charge additional fees for that. 
On XX/XX/18, I called and they rectified and backdated the payment to reflect ALL 3 errors on the part of XXXX XXXX,  and are sending me a letter with the specifics in the meantime I have a delinquency on my credit report and my score dropped about 20 points which could change my interest rates in other credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: Conn's, Inc.
State: TX

Complaint narrative:
I have reached out to this company with no resolution, this account does not belong to me it is also reporting a address I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have reached out to this company with no resolution, this account does not belong to me it is also reporting a address I have never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account does not belong to me the address where this account was opened I have never lived there before

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As I ran my credit report today, I found some unauthorized inquiries on my credit report. I haven't been in search for or applied for a new job. Can we please get these off of my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/18 I purchased a car from XXXX XXXX dealership that was pre-approved and financed through Capital One. Since making the purchase I have made my payments to Capital One on time each month. On XX/XX/18 I learned that my car loan was paid in full. I then reached out to Capital One customer service to inquire who paid off my car loan. It was during this telephone call that I learned that the car dealership paid of my loan and the reason the car dealership provided Capital One was that they were " buying back '' my car. The Capital One rep then asked if I still had possession of the car, I advised that I do and that I had no intentions on selling it back to the dealership. Nor had the dealership ever approached me with an offer to " buy back '' my car. The Capital One rep also advised that if had any questions to contact XXXX XXXX at XXXX. I then asked the Capitol One customer service representative how anyone could call in and pay off someone's loan with Capital One contacting them to confirm? The rep replied that the dealership wrote the deal so they can do whatever they like going forward. Baffled by Capitol One rep 's response, I them asked where is my car title. The rep ( XXXX ) replied that the title was mailed to the person who paid off the loan. I immediately advised the Capital One rep that I did not purchase my car from XXXX XXXX. Nonetheless, I contacted the number provided on XX/XX/XXXX thru XX/XX/XXXX and left several messages for a XXXX XXXX but, I have not received a return call. On XX/XX/XXXX and XX/XX/XXXX I received voice messages from a woman named XXXX who claims to be from XXXX XXXX advising that they bought back my car loan and that I am to make payments using a self-addressed envelope they sent me in the mail to remit payment. The woman also left two telephone numbers one for the XXXX XXXX XXXX ( which is not valid ) and her cell number. I called the number I have on the XXXX XXXX GM business card that I have used to contact the sales rep post-purchase, however, the line just rings. No voice mail or any indication that I have reached the car dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
XXXX XXXX loan took out XX/XX/XXXX. I have paid approximately 8000 on a XXXX loan and as of today XX/XX/XXXX my payoff is more than originally borrowed. Yes Ive  been late and deferred some payments however the interest rate and fees are obsurd and its either keep paying or return the vehicle at which point my credit will be worse and Ill have no way to work. Every done I lay goes straight to interest this should be against the law its no different than the check cashing businesses that were shut down in my state

Company response to consumer: Closed with explanation