vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name XXXX XXXX, I've been XXXX from the XXXX XXXX since XXXX. I'm now an XXXX year old XXXX, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found several items that I never applied for, several address on my credit profile that I am not aware of. I never lived at any other address. If you look at my credit profile I have live only in one state after I XXXX from the XXXX in XXXX, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I XXXX in XXXX. I have always had perfect credit and now my credit have been used fraudulently used. I am asking for my address to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2019-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name XXXX XXXX, I've been retired from the XXXX XXXX since 1971. I'm now an XXXX year old man, and lve been retired for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found an collecton item on my report that was resolved. 

My wife changed our phone service and no longer wanted the internet service. My account was paid in full and closed to my knowledge. Now I am looking at my report and I see that this company has placed a balance due on my credit report. 

I have had service with this company for year and have never changed my phone number. 

If you look at my credit profile I have live only in one state after I retired from the Military in 1971, I have not lived in no other state. I built my home here and have always live here in south Florida after I retired in 1971. I have always had perfect credit and now my credit have been used sateing that I have not been current with my bills. I am asking for my this collection item to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account.

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 2019-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Credit card payments system change, payments system not working properly to make payments online at XXXX XXXX website for several months. Loans are high interest at more than 190 % interest rate, and I can not input card information and there is no " send '' or submit button to process the information on the company website exists, the card payments section is completely falsely presented and not working. One must call the customer service phone line with long hold times and pay a fee instead of the free online card payments system previously accepted, a breach on the loan agreement for payment methods. I complained to the XXXX XXXX representatives in XXXX of XXXX  that I can not make payments conveniently and I am paying more daily interest because I must wait on finding the time in my work schedule to call in and wait to make a payment over the phone. There are no answers to my concern, and I am ignored, or the phone line gets disconnected to avoid my complaint about the website. ( please see included dated images for the latest occurrence of this issue. 

On XX/XX/2019, at XXXX XXXX, I attempted to make a {$1500.00} payment to pay down the balance and avoid high-interest accumulations. CSR ( customer service representative ) said I could not pay more than 2 payments in 21 days with a credit card over the phone. CSR said I could also not submit payment at XXXX XXXX branch, even in certified funds. CSR also said I could only make a payment through XXXX XXXX banks with the XXXX XXXX account number, but only if I paid the full balance of {$4200.00}. CSR then said they would only accept more money towards the loan at XXXX locations before XXXX, and there ar are fees attached to sending payments through XXXX systems of {$10.00} or more. I asked if I can use my checking account to make more than two payments over the phone, CSR said I could not make more than two payments on website either with a checking account, because an error message would occur. XXXX XXXX is purposely stalling the payment process and causing excessive expenses in addition to the high-interest loans, by making it expensive or impossible for the customer to make higher payments on the loan so the customer will continue to accrue excessive interests and either not catch up to the loan or default and eventually lose possession of the vehicle. 

During the XXXX  year, I received an excessive amount of calls to collect the monthly payment, even after asking them in writing to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I submitted a request on XX/XX/XXXX to XXXX to dispute information on my credit report for Midland funding collection. I submitted proof that I paid the account in full on XX/XX/XXXX in the amount XXXX. And they did not update the account on my report to the correct status of being paid and closed. I want my credit report corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25 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: CA

Complaint narrative:
The information listed below is false account information. These accounts do not belong to me and must be removed immediately. I have filed a complaint with local authorities and the FTC. 

1 ) XXXX XXXX XXXX XXXX   {$14000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$0.00} Opened XX/XX/XXXX 3 ) XXXX XXXX {$5000.00} Opened 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 2019-05-25 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: CA

Complaint narrative:
The information listed below is false account information. These accounts do not belong to me and must be removed immediately. I have filed a complaint with local authorities and the FTC. 

1 ) XXXX  XXXX XXXX XXXX {$14000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$0.00} Opened XX/XX/XXXX 3 ) XXXX  XXXX {$5000.00} Opened 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 non-monetary relief
Consumer complaint received 2019-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX of XXXX I Paid off my Cabelas visa card using the phone automated system. I noticed in XXXX that they were still charging my bank account so I called them and found out I still owed approx XXXX . The lady on the phone could see I had made the payment so she looked into it and I had to get my bank on the phone. We did a conference call and found out that XXXX had refunded my account the payment because they were changing over to Captial 1. I decided to keep the account in auto pay because I needed the money for medical bills at the time. Then a few month later I found out I was being charged late fees on my account so I called again. In the change from XXXX to Capital one the auto pay was changed from making the min payment each month to a set amount of XXXX . The monthly bill was XXXX. They could not tell me how my payment had been changed nor would they fix the error. I called several times trying to get it resolved and finally sold a car and paid them off. I am trying to purchase a house and now it has gravely affected my credit score even though I paid them off. I paid them off because I was tired of dealing with the way things were being handled. I had not purchased anything on the card since XXXX of XXXX because the card had been hit with fraud twice in two months so I never activated the last card and was just working on paying it off. I think its an simple error when the companies changed over but why should I have to pay for it. I did get a notice that they were changing companies but from what I remember from the letter that nothing with payments were to change. The letter was basically saying that Cabelas was changing to Capital one. Capital one is the one who charged me late fees not XXXX. I think this is also an indication of an error in transition. I tried to reason with XXXX  from capital one today and still no headways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019, I purchased XXXX XXXX XXXX Tickets via XXXX through my Chase mobile app. The seller had listed their ad on XXXX, and I sent them {$100.00} for the tickets. They informed me they would immediately send the e-tickets to my email, but they never did. They then blocked my number. I called Chase almost immediately to try to stop the pending transaction, but they informed me there is nothing that they can do, and that I need to figure it out myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: CITIBANK, N.A.
State: MD

Complaint narrative:
This is complaining CITI BANK 'S ridiculous charges of {$25.00} against my CITI AAdvantage credit card. Informed by their representative onXX/XX/2019 : CITI BANK changed XXXX XXXX billing from mail bill ( paper bill ) to electronic bill ( paperless ). I have no knowledge whatsoever about my unreceived bills. I know nothing about bill format changes pertaining to XXXX XXXX. As a credit card client, I receive bills and then, I pay it off. ACTUALLY, I NEVER RECEIVE THEIR BILLS FOR TWO MONTHS ( XX/XX/XXXX thru XX/XX/XXXX ) in any format ( paper bills or paperless ). I had found myself that I have not received bills for a while ( XX/XX/XXXX thru XX/XX/XXXX ). On XX/XX/2019, I had to phone them to inquire about my bills. OnXX/XX/2019, I paid the monies I spent which is {$46.00}. 

XX/XX/2019The representative have informed me that the charged fees ( penalty ) and interest of {$25.00} will be adjusted and dropped. 

XX/XX/2019 The representative informed me the adjustment ( {$25.00} ) is not yet adjusted. But will be adjusted ( dropped ) on XX/XX/2019. 

XX/XX/2019 The debit of {$25.00} remained. Actually, all {$25.00} is never adjusted, even as today ( XX/XX/2019 ). It actually may be growing due to interest. 

CITI BANK is dishonest and is cheating customers.

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 monetary relief
Consumer complaint received 2019-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disturbed that EQUIFAX, XXXX and XXXX to ignore my request to remove and continue to list the dismissed bankruptcies as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 4 calendar days from receipt of this letter.This request from all these agencies have yet to be honored and removing this from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: AL

Complaint narrative:
I have called and disputed these things on my credit report and i have let them know that this information is incorrect. My social security number was showing incorrectly and i have since disputed and spoke with representatives to get this information corrected. There a few addresses listed incorrectly 1. XXXX XXXX XXXX XXXX XXXX, AL  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, AL  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX. 
These accounts are also listed incorrectly. 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX. There is also some inquires 1. XXXX XXXX 2. XXXX/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 non-monetary relief
Consumer complaint received 2019-05-25 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: CA

Complaint narrative:
EXperian, I want to show fraudulent consumer reporting taking place credit manipulation by you in your own omission, your statments enclosed, I contacted you through the CFPB many time about this and other case where you refuse to remove account when told by furnisher who can get contract back and by debt collector who states remove account you keep stating validated and not removing account. in casr XXXX you state furnisher can not remove account only debt collector your omission, caseCFPB XXXX from debt collector remove account { you refuse } letter from furnisher stating I do not own this account that you fradultly claimed over the years as mine state remove account .consumer credit manipulation is against the law you can explain to me and CFPB why you refuse to remove account, CFPB please look in to there business practices of fraudulent reporting, Enclosed is proof of just that remove the 2 pertaining fradulent reporting account related to there dispute numbers

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 2019-05-25 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: CA

Complaint narrative:
Citi bank shows that I have missed a payment on XX/XX/2017 and tried having my credit line increase & tried to contact them to have it resolved but didn't get a solution.it 's definitely impacting my credit score and would like to have the late payment it removed from my report as well as get a higher credit line.

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 2019-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disturbed that XXXX, TRANSUNION and XXXX to ignore my request to remove and continue to list the dismissed bankruptcies as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that  are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and  send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 4 calendar days from receipt of this letter.This request from all these agencies have yet to be honored and removing this from my credit files.

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 2019-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disturbed that XXXX, XXXX and EXPERIAN to ignore my request to remove and continue to list the dismissed bankruptcies as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 4 calendar days from receipt of this letter.This request from all these agencies have yet to be honored and removing this from my credit files.

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 2019-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was rewarded with 4 American Express Reward Cards in the amount {$100.00} dollars each. So for a total of {$400.00}. The cards have a valid thru date some ranging from XX/XX/XXXX and the others being XX/XX/XXXX. After reading the terms and conditions. Which you can see here. 
XXXX XXXX XXXXl I called the number on the back of the card to get a clear understanding about the availability of the funds on my cards. I was told since the valid thru card had expired that my funds were no longer available. When I asked whether they could issue me a replacement card they stated no. The number on the card XXXX the link to the terms and condition also reflects that same number. Not to mention that it clears states that FUNDS DO NOT EXPIRE The funds on the Card do not expire. 
and that VALID THRU DATE The " valid thru '' date on the front of the Card is the date through which your physical plastic card may be used. This date is required to process transactions at merchants that request a plastic expiration date. Even if the " valid thru '' date has passed on the Card, its Available Balance remains unchanged and intact. If an Available Balance remains on the Card after the " valid thru '' date, call XXXX to obtain a replacement Card or for instructions on how to redeem the Available Balance. 

Lastly the Credit Card Act of 2009 Title IV states Expiration date : Under no circumstances may the cards expire sooner than five years after ( 1 ) the issuance of the gift certificate or card, or ( 2 ) the date funds were last loaded to a store gift card or general-use prepaid card. If a card is subject to an expiration date, the terms of expiration must be clearly and conspicuously stated before issuance. The Act also prohibits imposing fees to replace an expired certificate or card if the underlying funds remain valid to ensure that consumers have full use of the underlying funds for the minimum five-year period. 

I feel American Express is in violation of the consumer protection act and is operating in the manner for some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I need to remove the hard inquiries from Barclay since they denied my credit increases and ran my credit when it should have been a soft pull. I feel I was misdirected or mislead it has impacted my credit score a lot.

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