vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-20 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: Credit Karma, LLC
State: WI

Complaint narrative:
I submitted a disputed using CreditKarma.com on XX/XX/2018 this dipute is through XXXX on Creditkarma Inc 's website. I have not been shown any results of this dispute and the dispute is still shown as being " Pending '' XXXX  has claimed that they have sent an email of the results which they have not resubmitted to me. Furthermore since the dispute is still " Pending '' I am unable to dispute incorrect information being reported by XXXX  through CreditKarma. com Essentially having my right to dispute information denied at this time. I will attach photographic evidence that will support my claim today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am XXXX XXXX and I went onto Experian two months ago to check my husbands " FREE '' credit score. It cost me XXXX dollar, and through the fine print when you agree to their terms, what you must weed through is that they'll charge you {$21.00} each month automatically. I found that out today when I checked my bank statement. I explained that it was a misunderstanding and I didn't intend to join any membership that I only wanted that one free, that wasn't free, credit report. I asked for the two months they had deducted refunded. The representative was authorized after arguing to refund only one month. Since Experian is supposed to be a trusted company that has the world at their mercy for credit reporting, I expected that they would make it right. The supervisor XXXX, who isn't required she said to give her last name, but badge number # XXXX, told me that the only refund she would be giving me, after several try 's of asking, would be one month, and not two as I asked for.

Experian I have learned today is a for profit company and can't believe they've not been re regulated on how they operate as they have the fate of everyone 's financial reputation in their hands. They are tricky and know they can't be touched.

They refunded one month of {$21.00}, and I would like the other month refunded as well.

I expect another refund of {$21.00}. When they sent their e mail confirming cancellation, the generic print states, " If you are due a refund, please allow a few weeks for the refund to be reflected on your credit card statement. '' This was the first cancellation e mail. Clearly, they're used to giving refunds to others that aren't clear about their SIGN UP policy. Additionally, when you call the CS number, the recoding will hang up on you if you don't immediately enter you social security number before they connect you. Very scary in these times, but I did it anyway after their phone system hung up on me three times because I didn't want to give any information until I had a human on the line. I want my second month refunded additionally of {$21.00}.

After they sent a cancellation e mail, they sent one that says welcome back. Wow. Horrible company.

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 2018-05-20 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: NY

Complaint narrative:
I reported over and over through online dispute and actually calling reporting to live person that no accounts open or closed are late no missed payments no account not being paid on time the very opposite also they have 7 hard inquiries only 3 are valid the other 4 are pre approved soft inquiries my credit file is locked still hard inquiries my credit is unlocked same I also put a fraud alert and still hard inquiries are resulting and the companies continue to solicit with very word pre qualified pre approved how could this be that is all 3 b

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: NY

Complaint narrative:
I reported over and over through online dispute and actually calling reporting to live person that no accounts open or closed are late no missed payments no account not being paid on time the very opposite also they have 7 hard inquiries only 3 are valid the other 4 are pre approved soft inquiries my credit file is locked still hard inquiries my credit is unlocked same I also put a fraud alert and still hard inquiries are resulting and the companies continue to solicit with very word pre qualified pre approved how could this be that is all 3 b

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 2018-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have, for years now, tried to obtain a modification for this loan. In the very first year of my attempts, I thought I was close, but recurring administrative errors on the part of XXXX nixed my efforts, always at the eleventh hour. 
There followed a series of wrongful foreclosures, six in all, over the next five years. The bank constantly and despite my effortstried to take over the empty lot adjacent to this house, a lot that belongs to me free and clear. I had to hire an attorney, rent the house cheap depredations ensuedspend hours each day, week, month, and year reinitiating the modification process, hoping for closure. 
XXXX then sold the loan to Mr. Cooper who, having done none of these missteps and errors, could not be held accountable. 
All I have left now, after these exhausting years of struggle to keep this property, is a short sale. I found a buyer a year ago, a non-profit company called XXXX, who negotiated the price to their offer of {$230000.00}. Mr. Coopers investors did not want to budge from {$250000.00}. Neither party would change their offer even though they were a mere {$27000.00} apart. 
I have now found a new buyer and am presenting her offer and her loan authorization. There is little time to reinitiate the short sale since the Trustee Sale is scheduled for XX/XX/XXXX, this coming Wednesday. This new buyer is offering exactly what Mr. Cooper requested, {$250000.00} and is approved for that amount plus closing costs. 
Through this short sale, Mr. Cooper will get the funds it wants. 
The buyer will get a house she really likes. 
I will not, at age XXXX, have my credit ruined again by this upcoming foreclosure. 

I am respectfully asking that Mr. Cooper stop the trustee sale of XX/XX/XXXX, and allow the realtor XXXX XXXX of XXXX XXXX to reinitiate the short sale and communicate with you. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: IN

Complaint narrative:
I have contacted Transunion XXXX and XXXX several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXXXXXX XXXX ( XXXX ) with a balance of {$780.00}

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 2018-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Diversified Consultants contact me by phone and mail debt i dont know, and reporting to credit bureaus i sent certified mail XX/XX/2018 asking them to validate debt proof of contract singiture they fail to do so. Need removed and closed from credit report thx

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Dear AES, I am submitting this complaint, as the initial one was not correctly read, nor was it properly remedied. 

I have attached the updated complaint in a word doc, for better viewing. 

My apologies ; as unfortunately, I may have provided too much information initially, making it difficult for you to see the big picture, of AES 's cause of the primary problem : for which I seek a fair resolution. 

Clearly, the information provided earlier was too lengthy - I only went by the written tracking I have, and I have recorded all conversations since XX/XX/XXXX. 

As a 'Customer, the events that led up to the current situation are unfair, unreasonable, and of no fault of my own ( if they were my fault, I would have simply let it go and taken responsibility by now ). 

Thank you in advance for your understanding. 

Warm regards, XXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX charged my AMEX Serve Credit Card and I never received the item. In addition, XXXXXXXX XXXX XXXXXXXX XXXX said that the card is not activated with them when it is. 

Here 's the record of what XXXX XXXX XXXX XXXX  has on-file of me : Skip to Main Content Skip to Shopping Bag Skip to Search 30 % off Already-Reduced prices XXXX XXXX XXXX XXXX Hi XXXX Find a Store New Arrivals Clothing Dresses Shoes & Accessories Work Collections Petites Plus Sale Search 1 My Account Rewards Status Profile & Preferences Saved Payment Address Book My Orders My Wish List Shop Now Saved Payment My Default AmericanExpress - XXXX Expires XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Edit | Delete +Add new credit card Protecting your privacy is important to us. For more information, please read our Privacy Policy. 

More Ways to Shop Find a Store Gift Cards XXXX Rewards XXXX Request a catalog Support Contact Us XXXX FAQs Order Status Payment & Shipping Info Returns & Exchanges Recall Information About Us Our Story Careers Charity Investor Relations California Supply Chains Act Stay Connected Subscribe to our email list and get 20 % off Enter email address Submit Follow Us XXXX  XXXX XXXX XXXX XXXX   Copyright XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX. All rights reserved. Terms & Conditions Privacy Policy Change Country Live Chat Toggle Today 's Offers Today 's Offers Hurry, Limited Time Already-Reduced Prices Prices as marked excludes final sale Shop Now Details Shop with Benefits Already A Member? 
Sign in to get all your rewards. 
not a member yet? 
click to join today Sign in Join XXXX Rewards whbm work For us, it's business as usual Shop Work Try it on, on us Petites Free shipping & Returns on all full-price styles Shop Now Details

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Last month plus there have been several instances of obvious fraud ( online XXXX transactions over the course of a month plus outside of the area where we live ). They did not catch it and will not stop the card because it is my wife 's card. I understand that they can not give me information about my wife 's account, but a simple call to their fraud department and they would have easily seen that the charges were fraudulent, but they refused to do even that.

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 2018-05-20 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: IN

Complaint narrative:
I have contacted XXXX XXXX and Equifax several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXX XXXX ( XXXX ) with a balance of {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: IN

Complaint narrative:
I have contacted XXXX Experian and XXXX several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX  several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXX XXXX ( XXXX ) with a balance of {$780.00}

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 2018-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express card offered a new card ( XXXX XXXX, 2017 ) with bonus offer of {$150.00} after about {$600.00} were spent using the card within 90 days. We satisfied this requirement and paid bills on time. But they paid ( as statement credit ) only {$100.00}. We reported dispute on phone and on chat online. They did not send any notification of dispute resolution. we did not pay {$50.00} that was in dispute, They reported this as delinquent amount and added extra fees. Our credit rating went down by 100 plus points and we were denied credit by lenders based on this report. We believe this to be fraudulent bait and switch behavior. Their customer service contact is : American Express XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXXS : we are extremely distressed the difficulty of reporting this dispute and time spent on this. We will present documentation you may require

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: MO

Complaint narrative:
On XX/XX/2017 I found myself ill and in need of care. I attempted to receive care at the XXXX quick clinic in XXXX at XXXX and XXXX in XXXX XXXX. 

The provider on duty dismissed me as having a XXXX without even examining me. A short time later I had to seek emergency care because I didnt receive care the fist time ... in fact my XXXX XXXX XXXX, which the XXXX would have been seen had I only been examined. XXXX then had the audacity it charge my insurance over {$150.00} for not even examining me. I have tried reaching out multiple times to XXXX to resolve my complaint and the debt ; most recently speaking with XXXX in the provider complaints department. 

She assured me the clinic administrator would call me. That was three weeks ago. I have now been turned over to collections ( XXXX XXXX XXXX. ) even though I have tried disputing the debt twice with XXXX billing department and have attempted to speak to XXXX   to resolve my complaint and the debt numerous times in the last several months. 

Billing said someone would reach out after I placed the dispute on the account, but no one ever did. On top of speaking with the billing department I have attempted to contact XXXX   via email, XXXX and even their main number. 

Please help.

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 2018-05-20 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: LEXISNEXIS
State: WI

Complaint narrative:
Lexis nexis responded to complaint XXXX filed by me to the cfpb per their response PACER serves as the way for persons or organizations to obtain case information electronically instead of requiring those same persons or organizations to visit the courthouse physically to view a case file. Because court records ARE public, any person or organization can view them through the PACER system Lexis nexis is in violation of the fcra because Lexis nexis did not verify directly with the Bankruptcy court.

Pacer.gov is a third party entity that collects information and then sells the information to Lexis nexis and other credit reporting agencies. Under the fair credit reporting act any information must be 100 % accurate If a bankruptcy court is not placing information on my report that becomes an automatic inaccurracy because the information was placed on my report by a third party pacer system. 
I feel I am a victim of scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
I have previously filed a complaint to you guys but there has been no changes and it continues and I think the bank has decided to ignore my concerns. Any time I try to do transactions through the phone process they tend to put me through a cumbersome process which they do not apply to other customers because I sound different and I have a peculiar name. The policy of the company is for you to go through the authentication process through their automated process and when you finally speak to a representative of the company they just ask for your name and thank you for going through the authentication process. But, for me they further continue to ask me further questions I have asked other friends of mine who are white or have American names and they tell me they do not go through what I go through. I have spoken to several managers over this and they say they would make a complaint to their management on my behalf but I have noticed they do nothing about it any more. I have spoken to a particular manager called XXXX about three different times I think they see me now as a nuisance to be ignored. I feel am treated differently and they do not care as I think from my dealings with them the moment you sound different they place a higher verification standard on me. I think I need an apology from them and i also urge you to order them to train their employees that there other people from other country with different values and culture that sound different

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I should not owe anything and if I was ever notified right after this occurred I would have disputed it also I would also like to see the signed authorization

Company response to consumer: Closed with explanation