vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 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: FL

Complaint narrative:
I disputed an account reported by XXXX ( XXXX XXXX and XXXX XXXX ). The account was reported as a charge-off with an opened date of XX/XX/XXXX, however the debt ( account ) was accrued from an advance payment received for a personally procured move in XXXX. The account opened date reported to Experian and appearing on my credit report is XX/XX/XXXX. The date the account was actually opened is XXXX. My dispute resulted in a " remains '' status, despite the date being inaccurate. The attached XXXX form shows that I exited XXXX XXXX in XXXX, and could not have accrued a debt past that date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
This is in regards to complaint # XXXX-XXXX. 

I received a phone call few months ago assuring me that hell take care of the account and remove all the late fees, interest charges and any transaction that is not recognized or considered fraud. 
Its been a long time that I never received any response nor did anyone contact me. And my account is still on hold. I dont use the credit card anymore and I was wondering if I could close the account. Recently I called Bank of America to close my account but I was told that I cant close it until I receive a message that the problem has been resolved. Two weeks has passed and I still havent received any response. However, I see a few more late fees and interest charges added. It's also affecting my credit. Im sick and tired of Bank of America and the liars employed in the corporate office. Id request you to please urgently help me resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: WA

Complaint narrative:
On XX/XX/XXXX I applied for the American Express EveryDay card. The bonus I was offered was XXXX points after {$2000.00} in spend in 3 months. On XX/XX/XXXX I noticed XXXX points had been deposited into my account with a description of Amex EveryDay $ XXXX spnd/XXXX MR . Since this appeared wrong I contacted customer service to see if the balance would be deposited when I met the {$2000.00} spend since I hadn't met it yet and she indicated I had signed up for a different offer. I explained that I had in fact signed up for the XXXX point offer and even had a screenshot of the application. She offered to submit a ticket to have it resolved and that it would take up to 2 billing cycles for resolution. As of XX/XX/XXXX I had  not received the remaining XXXX points so I chatted with a rep by the name of XXXX using online chat. He indicated the ticket has been researched and closed indicating they wouldn't give me the balance. I asked him to open a new one. As of XX/XX/XXXX I still had not received the balance or any contact from the company regarding any of these tickets so I once again chatted online and was told the second ticket was also closed and they weren't giving me the remaining points. I called customer service on XX/XX/XXXX as  well and after a period of time on hold the rep explained he couldn't do anything more and he had also spoke with his supervisor who also said they couldn't do anything more. They advised that I write a corporate complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MAJR Financial Corp
State: CA

Complaint narrative:
M.A.J.R. Financial XXXX started reporting a collection for {$5000.00} with {$0.00} balance and I do not know where this came from. There is no unpaid loans or charge off in the amount of {$5000.00} that was transferred or sold so I do not know where this coming from and its hurting my credit score greatly. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
FTC Report # XXXX RE : Identity Theft Dear Experian Please remove the following accounts listed on my Experian credit report. Ive received the assistance from my attorney, and mortgage loan officer, as well as the FTC and CFPB. This accounts listed are a result of identity theft that account when I was on a tour of duty in the armed forces. I did not open these accounts nor have I benefited from them. I am in the middle of closing on my first home through a VA LOAN,  and my bank pull my report and showed me several accounts that I never knew existed. PLEASE REMOVE IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays credit card company. Debt was paid in full but company will not update credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCE CORPORATION
State: PA

Complaint narrative:
On XX/XX/2019. I received a call from Springleaf financial and was advised that I had a past due payment. I thought they were referring to the payment that was due on XX/XX/2019. The representative that I spoke to advised me that I had a payment shortage from what was due for XXXX of an estimated amount of {$23.00}. I informed the rep. That I was under the impression that the payment I made on XXXX was to take care of my XXXX payment ( 2 payments were made ). The representative advise me that it did go partially to the XXXX payment but the {$23.00} dollars was still outstanding and now the account was over 30 days past due. When I asked why I was not notified at any time about the delinquency I was advised that their primary job is to close docs on loans, not follow up on loan payments. I advise I did not get an email, or a letter either. The rep was unable to explain or give a reason aside from the fact that they did not have time to call people.This 30 day reporting should not be reported. I was not given the proper information about the remaining amount of money due for XXXX. When I authorized the rep to pay an additional payment I was never told another payment would still be due for XXXX.They waited until the account was over 30 days past due to inform me of a delinquency, despite my efforts to avoid such a thing. when I was called in XXXX to ensure XXXX was paid in advance. The contact number for the company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: SC

Complaint narrative:
FTC Report # XXXX RE : Identity Theft Dear XXXX  Please remove the following accounts listed on my XXXX  credit report. Ive received the assistance from my attorney, and mortgage loan officer, as well as the FTC and CFPB. This accounts listed are a result of identity theft that account when I was on a tour of duty in the armed forces. I did not open these accounts nor have I benefited from them. I am in the middle of closing on my first home through a VA LOAN, and my bank pull my report and showed me several accounts that I never knew existed. PLEASE REMOVE IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX my XXXX my XXXX my experian reporting wrong an inaccurate info and unverified info that's not my. name, address, number, and unverified account information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: MN

Complaint narrative:
In 2018 I was put on a hardship program for a reduced interest amount and payment amount at one main financial.  I asked to change my payment withdrawal date and due date from the XXXX to the XXXX of each month. They agreed to {$78.00} a month drafted the XXXX of each month. They neglected to tell me my due date was never changed so I received a late fee plus daily interest charges for they payment being late. They set up the payment withdrawals dates and a year later plus they finally told me I was being charged late fees. I borrowed {$5000.00} and have paid one main financial about {$2500.00} in total payments but only have {$1000.00} of the principal paid down. I get that I owe the money, but being charged unknown late fees and then a year later being on the program they offer to move my due date. I thought they moved my due date in the first place. Instead I have several months of late fees that are uncalled for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: PA

Complaint narrative:
XXXX XXXX NY XXXX XXXX XXXX, XXXX NY XXXX XXXX AMOUNT : {$1100.00} COMMENT : THIS IS FRAUDULENT.THIS NOT MY ACCOUNT .DELETE IMMEDIATELY F.T.C REPORT NUMBER: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 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Company Name - Credence @ XXXX XXXX XXXX XXXX for XXXX Credence Reference ID - XXXX I disconnected service from  XXXX on XX/XX/2019 and returned the equipment. Customer service told me to continue using service already disconnected since XXXX 's policy does not prorate bills. XXXX insist I should pay for a full billing cycle even I used service for about a week and I was not on a contract. 
I feel like I'm being defrauded by XXXX, I was never informed of the policy to cancel service at the end of the billing cycle or to obtain permission to switch providers when I had no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/2019 my transunion my XXXX  my XXXX  reporting wrong an inaccurate info and unverified info that's not my. name, address, number, and unverified account information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/2019 my XXXX my Equifax my XXXX  reporting wrong an inaccurate info and unverified info that's not my. name, address, number, and unverified account information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
FRAUDULENT INQUIRIES DELETE IMMEDIATELY. 
Jpmcb card services XXXX, DE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 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 have disputed twice with Equifax in regards to a line of credit with XXXX in which Equifax claims they have verified this account with the source and updated their balance of {$49000.00}. Now I have a letter directly from XXXX that I submitted to Equifax in which it states a XXXX balance. Even after such proof, Equifax has failed to update the balance on their credit report. I have tried twice with them and it comes back verified. This is a neglect on Equifax part since they disregard the evidence provided to me directly from the source.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Contacted TransUnion for fraud alert and freeze. I'm in 20 data breaches and over 100 password compromised. XXXX  is another big data breach along with medical records through XXXX XXXX and more. Ive requested a freeze months ago. I was working with a company called XXXX XXXX My accounts got hacked, I just started getting notifications about new items being added to my credit. Tried to contact TransUnion, they forward me to the special team and all three times while waiting for them to answer they was only breathing on the phone. I have not received anything from XXXX  or XXXX  with a security code. At this point I'm not sure if TransUnion is accurate. I'm forwarding this to the FTC, FCC, the United States attorney general and the media. The number that I called for TransUnion is ( XXXX ) XXXX. My phone was hacked. Seems like my calls are being rerouted and monitored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express repeatedly and consistently makes false claims when it responds to consumers complaints filed with CFPB. 

I informed American Express multiple times in the past 22 months that their system is incorrectly processes mail that is addressed to me. While I am able to receive the letters from American Express that are prepared in response to my complaints to CFPB as those contain my correct mailing address, American Express credit card statements, refund checks, actual plastic cards are consistently mailed to wrong addresses. 

Despite the fact that I contacted American Express in the past and informed them about my correct address, American Express continues to make false statements that it is using my correct address. 

In the most recent response, which is attached, American express failed to list the address to which they mailed the {$50.00} check for the amount they owe me and have not provided a copy of the envelope in which they had mailed the check. A simple visual check would have revealed the errors American Express is making, but it is refusing to perform a simple quality control function. 

American express claimed that it tried to contact me via telephone, however after my conversations with American Express in the first half of XX/XX/2018 that lasted more than an hour each, I requested American Express to communicate with me in writing. I had not received any questions from American Express in writing after I submitted information to them through CFPB portal. 

American Express also stated in the attached response that they are refusing to process a refund for the credit balance I had in my account. I believe the company is violating some of the federal regulations by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one closed account without notice before due date of mailed in payment, payment made left a credit of {$490.00} and was told that I would receive a check in 60-90 days of the credit. account has only been open 30 days and payment was posted on the XXXX and applied. I spoke to fraud department and was told it was necessary to take 60-90 days without any explanation, payment only took one day to post to account and account is closed so no further adjustment can be made. balance has already been determined and applied, yet I will have to wait longer then account was open for a return of the credit {$490.00}. it takes less then 7 days to post a check, and account shows already posted..check was mailed out XX/XX/19 and received XX/XX/19 account number ending in XXXX certified mail number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NY

Complaint narrative:
Im currently XXXX  now. I have been using my card as a means to get by. For my day to day expenses. I live in XXXX everything is expensive. Most of the time my money is done in a instant. Because I don't have a steady place to lay my head, I buy a lot of food from fast food stores. I go to pantries a lot but I cant grab like meat and stuff like that. I have no where to store it. I need help please. I have amounted {$6000.00} in credit card debt. I have sent several letters to my credit card company. I have not gotten a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Since I upgraded to the Macy 's American Express card, I am unable to see any transaction on the activity section of my online account. I have contacted technical support multiple times. I heard multiple reasons as to why is it not working, from removing the card from the online profile, then adding it again, which did not fix the problem ; to only transactions made at Macy 's will show there, which seems strange seems why would they offer an American Express version with such a limited online system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This account does not belong to me and is a result of identity theft. 

Disputed with all 3 bureau 's on XX/XX/2019 for both accounts, results came back unchanged. 

This company has attempted to sue me two times over the past year even though I have been living in XXXX for 1.5 years at this point and they don't seem to be stopping. 

They've been calling my work phone number as well when I have told them to stop harassing me several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
This company, Security Credit Services is bogus and finds accounts to pin on innocent people that have NEVER applied for the " said '' accounts. I have NEVER financed furniture and have an account listed for {$2500.00} since XXXX that is reportedly for a company that was a fly by night furniture company in XXXX and is no longer in business. I have contested it repeatedly and finally got it off of XXXX  and XXXX but XXXX  won't remove it for some reason. This company has not been able to produce ANY documentation of anything I signed, no copy of my ID, no proof of address where the furniture was reportedly delivered to. It's ridiculous and should NOT be allowed by these credit bureaus. 

I have attempted to reason with this company in the past to no avail. The XXXX is FULL of complaints about this company and is even marked as a high alert due to high number of fraudulent reports. 

This account is negatively affecting my credit file and I need to get it rectified asap. 

Thank you.

Company response to consumer: Closed with explanation