vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-09 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: CA

Complaint narrative:
On Friday XX/XX/2019 around XXXX XXXX I tried to temporarily lift my credit freeze with Equifax. I tried their website, but was informed that it could not be processed at that time. 
The website also said i could write to the company or call an XXXX number and use their automotive telephone service to lift my credit freeze. I called the XXXX number provided ( XXXX ) and after going through a series of prompts I was informed that the service could not be provided at that time. I then went through additional prompts to talk to a service provider who informed that the system was being upgraded and they could not access my credit information to make any changes. The Equifax representative said to call back in an hour. Before I hung up I told the representative that their home webpage did not inform one that the system was unavailable. And that I wasted 15 minutes navigating through their website and XXXX number before speaking to a live person who only then informed me the system was undergoing maintenance and upgrades.I said that information should have been provided on the home webpage and in the introductory announcement on their XXXX number in order to save consumers time and money!!! 

I repeated the same process on Saturday XX/XX/XXXX at XXXX XXXX. Again no notice on the home webpage or on the XXXX number that their service was down. After going through the phone ladder with no success I again ended up with a service rep that informed me the system was down, was being updated and to call back in an hour. I told the service rep that was what I was told yesterday. She could not give me any other answer other than to call back in an hour. I asked she lodge a complaint for me as I could not find anywhere on their website that would allow me to provide critical feedback or lodge a complaint. I have no faith that my complaint was ever recorded and forwarded to Equifax  management as she provided no mechanism for me to ever find out if it occurred. Furthermore I told them I was also going to lodge a complaint with CFPB. 

This unacceptable as I can not get my credit freeze lifted and nor was I given a accurate time when I could access and change my credit freeze. It does not seem feasible that a multi-billion dollar financial agency would update their system during normal working hours thus rendering their system unusable. Or, if they in indeed were updating their credit reporting database, why did they not not alert their millions of customers on their home webpage that no credit changes could be made during the update process? I have no proof, but their database updating story is so inept it strains credulity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I paid my account in full on the due date with my debit card, yet I was charged late fees for months after the debt was paid in full, plus interest on the fees. The payment due date was XX/XX/2018 and I made the payment on XX/XX/2018 and was charged a late fee on the due date of XX/XX/2018. As a result they have ruined my credit because they reported late payment on the fees and interest charged even though my account was paid in full on the due date to all three credit bureaus. Furthermore, I am XXXX XXXX XXXX   and the hours I have spent trying to get this resolved has caused significant stress/anxiety. I am also requesting that XXXX XXXX not contact me via telephone and to communicate via mail only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 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: MoneyLion Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I paid the loan off in full. I called in XX/XX/XXXX to  have the company report the account paid in full and closed. Instead, the company reported the account closed, {$0.00} owed, and 30 days past due. I was never 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CO

Complaint narrative:
Netspend will not return the remaining balance of {$300.00} on the account that I closed. When I closed the account they said that the remaining balance would be returned via a mailed check. The check wasn't sent. I contacted them, and then they issued a check for the portion of the balance that was loaded to the card with cash but not for the {$2300.00} I had loaded via ACH transfers. When I contacted them again they said they could not return the funds without a letter of indemnity from the originating bank. I contacted the bank that the funds were originally sent from to request the letter. The bank then sent a confirmation letter for the transaction to Netspend. Netspend then returned {$2000.00} via ACH, but withheld the remaining {$300.00} and requested another letter. I then had my bank send the same type of letter on XX/XX/18 for the {$300.00} transaction, but did not hear back from Netspend. When I contacted Netspend again they said they required 20 business days to review the letter and that they would contact me once it was reviewed. I did not hear from them again, so called them again after a month, and they said the letter had been declined. I was forwarded to the fraud department. The representative said he would contact my bank and call me back within 3 business days. I did not receive a call. I called Netspend again and they advised me to wait a few more business days. Again, I did not receive a call. I called back again and was told to send another letter. I have called Netspend at least 20 times, with some calls lasting over 90 minutes and have been left without a way to recover my funds.

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 2019-02-09 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: TX

Complaint narrative:
On XX/XX/2019, Equifax received my dispute of account number XXXX, {$510.00}, with agency number XXXX with Equifax. I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax received my last dispute on XX/XX/2019 by United States Post Office certified mail number XXXX XXXX XXXX XXXX XXXX. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for Capital one which they approved me for a capital one 360 account I inserted {$1300.00} into the account the account been open less than a month I now have {$330.00} in my account they are not releasing my funds due to not able to verify my identity. 

This is awful why have a system in place for consumers to apply in which it cant be verified at the time of application? 

XX/XX/19 between XXXX XXXX I called and spoke to a representative who was insensitive and was mimicking my voice and basically not professional to when I told him his conversation was being recorded he wanted to hang up. 

Capital one get people to sign up to basically take advantage of them. The man said I cant idenitify you so youre not getting your money .. 

These conversations should be monitored and recorded in which this one should have been because this rep XXXX! 

I just want my {$330.00} if they want to close the account after I withdraw my funds that would be great

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
This is the last info on the J P Morgan- credit card that Fema and Home Land Security gave me. The auto recording that J P Morgan had on said that I owed them XXXX I only had XXXX so I gave the JP Morgan Bank- back in XX/XX/2018- thinking that these apartments that I stayed in had not been paid, I did talk to the apartments in XXXX Fl- they use XXXX and they informed me that they were paid in full, then the auto machine came up with a XXXX credit for me, I said I do not need a credit, and the staff member said that they would send me the XXXX. It never came JP Morgan sent XXXX instead and my bank took back the XXXX that was in the credit file for me for nothing, so that is {$4700.00} and I am closing this case now, and JP Morgan has XXXX in my credit file, and I hope they send me that also. 

Thank you CFPB for all your help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX I paid the loan off in full. I called in XX/XX/XXXX to have the company report the account paid in full and closed. Instead, the company reported the account closed, {$0.00} owed, and 30 days past due. I was never 30 days past due.

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 2019-02-09 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: GA

Complaint narrative:
I have applied for the Citi Thank You Premier credit card which had a promotional offer for XXXX points when you spend {$4000.00} dollars in 3 months. I was accepted for this promotion while applying back in XXXX of 2017. 

I had to call citi to be reconsidered for this card and was accepted. They told me that the promotion would apply after completing the benefits while I was on the phone with the customer service representative. 

Many months later after completing the requirements, they told me that the promotion wasn't on the account. I called again and then the customer representative said that I was eligible because I've had this card before. This was the first time I ever heard of this after applying and talking to multiple people on the phone from citi.

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 2019-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XX/XX/2019 I received a letter from XXXX XXXX , XXXX with a discount offer for account number XXXX  the original creditor is XXXX/ XXXX/XXXX XXXX. I have never had an account with XXXX XXXX   before.The current balance is XXXX . XXXX XXXX , XXXX  Acct # :XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX INQUIRIES : XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: TX

Complaint narrative:
On XX/XX/2019, Equifax received my dispute of account number XXXX, {$660.00}, with agency number XXXX with Equifax. I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax received my last dispute on XX/XX/2019 by United States Post Office certified mail number XXXX XXXX XXXX XXXX XXXX. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I have a credit monitoring service that I pay for monthly. I discovered a new collection on my credit report by a collection agency called IC Systems who allegedly state they are collecting for XXXX XXXX. 

Around XX/XX/XXXX, I disputed this account with XXXX XXXX as well as a collection agency called XXXX XXXX. This account was demmed to be open fraudulently and was removed from my credit reports on XX/XX/XXXX. Now this collection agency called IC Systems has placed the same collection back on my credit reports. I have never heard of this collection agency nor did they give me the opportunity to dispute the validity of this debt. This account does not belong to 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 2019-02-09 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: MO

Complaint narrative:
I ordered my credit report from all three bureaus from XXXX. Once I got them and looked them over I noticed unauthorized activity [ FRAUD ] on all three credit reports. When I saw this, I contacted XXXX  and XXXX immediately -- They acted IMMEDIATELY with disputing the unauthorized items on my credit report, and they placed a fraud alert on my account to protect me from Fraud. Their services were awesome, and they were so kind. CAN'T SAY THE SAME ABOUT TRANSUNION. I contacted them, and told them that I have unauthorized activity on my account [ INQUIRIES THAT I DID NOT AUTHORIZE ] and they completely gave me the run-a-round, saying they couldn't and would not help me. The people I talked to were rude. They have no IDEA the trauma that goes with fraud. It's sickening to know that these people won't even help someone that's experiencing something like this. The only thing I needed disputed and deleted were ten inquiries that I DID NOT make.

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 2019-02-09 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: TX

Complaint narrative:
On XX/XX/2019, Equifax received my dispute of account number XXXX, {$520.00}, with agency number XXXX with Equifax. I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax received my last dispute on XX/XX/2019 by United States Post  Office certified mail number XXXX XXXX XXXX XXXX XXXX. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX Bank card account ending in XXXX has no balance

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 2019-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
On, XX/XX/2019 I requested debt validation ( letter attached ) then responded with a generic letter not addressing any request ( attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/2019 sent letter requesting validation of debt, ( letter attached ) They responded back on XX/XX/19 with a copy of a XXXX phone bill with a PO box as an address, I have never had an count with XXXX or use of that PO bOx listed.

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 2019-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I signed up for a {$XXXX} credit report and free trial for credit monitoring services from Transunion on XX/XX/XXXX and then cancelled the service the day after so that I wouldn't be charged for their services on a monthly basis. I have an email verifying that I cancelled the service on XX/XX/XXXX. At the bottom of the email it says " You may REACTIVATE anytime by simply logging in. '' I was receiving free credit monitoring services at this time from another company due to a security breach when I worked for the XXXX. I confused the different services and mistakenly logged back into my Transunion account at some point in the weeks that followed. Upon me logging in, Transunion automatically signed me back up for monthly services without my knowledge. They provided no notification that they had enrolled me and had began charging me on a monthly basis. They began sending me monthly " credit update '' emails, but none of these indicated a monthly charge was taking place. I was still under the assumption that these emails were related to my other free credit monitoring service. The first monthly charge occurred in XX/XX/XXXX and continued until I realized what was taking place in XX/XX/XXXX. 15 monthly charges of {$XXXX} had taken place, totaling over {$XXXX}, that I never knowingly authorized. I called Transunion and explained that I never agreed to these charges and had not been using the service, but they refused to refund any charges. I consider this way of business to be extremely dishonest and unethical. I don't think it should be legal for a company to operate in this way. A customer should be notified if he or she is being charged for a service and EXPLICIT consumer consent should be obtained prior to any monthly service initiating.

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