vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
On XX/XX/2019, I called the Barkclay Bank MasterCard to cancel the card prior to having to pay another annual fee. The agent convinced me to not cancel the card but to convert it to a no-fee card. The agent proceeded to tell me that I had unredeemed miles on the account and asked if I wanted to redeem them. I said yes and that I wanted to redeem them for a statement credit. The agent repeated what I said and then said he would redeem the approximately XXXX miles for an approximately {$180.00} credit. I said, yes. Meanwhile, my husband who was in the room with me said to me that wasnt right. He then took the phone and explained to the agent that we wanted a statement credit for travel expenses which is redeemed at a rate of {$1.00} for each XXXX miles versus the general statement credit which costs XXXX miles for each {$1.00} of credit. The agent said sorry but he had already pushed the button processing the credit. We then asked to talk to the supervisor who also said sorry, she couldnt change it. This was all in the same phone conversation! 

This arbitrary action cost me approximately {$180.00}.

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 monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This store credit card was opened XX/XX/16 while I was a XXXX XXXX XXXX and I used it to do some car repairs. The balance owed is more than I ever agreed to and I dont agree all the charges are mine. I disputed this with the creditor and the debt collector multiple times but havent been helped and now their threatening me in court without verifying everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX XXXX and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Reporting Act, you are required to comply. My name is XXXX 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 explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a checking account with Chase Bank since XXXX with excellent standing record. 

I recently opened a new LLC business checking account.on XX/XX/XXXX at the XXXX branch with {$2000.00} initial deposit. I also deposited {$8000.00} in my personal account ready to pay property tax. 

On XX/XX/XXXX, I am unable to access both personal & business LLC account.s. I have called several times to Chase different departments and finally found out the Bank has frozen both of my accounts and closed them within a couple of days with no explanation or communication.I also went to the branch but got no answer. 

I am in shock since the {$8000.00} just deposited in personal account in XX/XX/XXXX is the fund to pay the property taxes. Both accounts with total balance of {$10000.00} are still unavailable to withdraw as of today, XX/XX/XXXX. 

So far, no one in the branch or customer service call center is able to explain what happened or what to do except having the closing account process to run the course. 

I am still in the hole and waiting for my {$10000.00} deposit to use. I have received two letters dated XX/XX/XXXX stating both my personal and business LLC checking will be closed soon due to " recent activity '' or " did not provide information requested ''. 

The only recent activity was to open the new business XXXX at the branch, which I suspect to trigger all the closing accounts situation for no reason. 

I felt powerless at the mercy of the Chase Bank holding my {$10000.00} property tax money due to pay before year end of XXXX. Apparently only thing I can do now is keep waiting until " who know when '' to get my hard earning money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: NV

Complaint narrative:
I had 7 student loans that were initially serviced by XXXX. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. XXXX has responded that they did indeed report the status as Transferred ... however Equifax still has not corrected the STATUS. They added a comment to the Remarks section but Eqiufax did not update the STATUS. 

Below are the XXXX accounts with the wrong status. I've already filed a complaint with XXXX and they stated they reported the status as transferred and that the error is with Equifax. So Equifax needs to fix. 

Below are the XXXX accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My Equifax confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation
State: CO

Complaint narrative:
Concord Servicing Corp, XXXX XXXX XXXX, XXXX, AZ XXXX, services accounts on behalf of XXXX by XXXX XXXX. Our vacation ownership interval contract requires a Refurbishing Fee, due every five years. Our contract was signed XX/XX/XXXX. We do not dispute we owe the fee of {$7100.00} for a full five years. We do dispute that Concord/XXXX XXXX is billing us for the fee 4.5 months in advance of the 5 year anniversary date of our contract, which is XX/XX/XXXX. 

The contract specifically states ( SIXTH recital, item 2.1 ) that the Refurbishing Fee " ... shall be paid 1 ( once ) every 5 ( five ) years during the term of this Agreement. '' The contract does not specify the Refurbishing Fee is collected on XX/XX/XXXX at the beginning of the fifth year, regardless of the date the contract is signed. If we pay the full amount on XX/XX/XXXX for this first " partial '' five year cycle, we are overpaying by ~ {$530.00}. ( For consumers with a contract date later in XXXX, the amount would be significantly more. ) However, if the amount is properly pro-rated on XX/XX/XXXX for this first five year cycle, we agree in the future we would owe the full amount every five years on XX/XX/XXXX, as it would cover a full 5 years of ownership. 

We contacted Concord directly, who referred us to their customer, XXXX XXXX regarding any billing errors. We were told by XXXX XXXX that " all Refurbishing Fees are due at the beginning of the calendar year '' and that they would not pro-rate the fee for the partial year. When I pointed out that the contract did not allow them to bill early, we were told that was the way all contracts were managed and if we failed to pay the amount in full as billed, our contract would be placed in default. This would not only prevent us from using the property, but also puts the amount we paid for the property ( over {$120000.00} ) at risk. At no time was anyone impolite ; they were simply firm with their position, would not debate it, and were clear about the consequences. This left us with little option than to file this complaint. 

To keep our contract in good standing, we are going to pay the fee as billed. However we are also filing this complaint with the CFPB for unethical and inaccurate billing practices.

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 2019-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: C/C Financial
State: FL

Complaint narrative:
I have recently finest furniture through XXXX XXXX out of XXXX Georgia to a furniture outlet store in XXXX XXXX Florida. After I financed the furniture me and my girlfriend split up and I left the house. I had contacts at the furniture store to inform them I was going to return the furniture, and they told me to contact the finance company ( XXXX XXXX ) which I did. They explained to me that they would take the furniture back and there will be no other charges. They told me that they would schedule someone to come out to pick up the furniture after I sent them pictures of the furniture. I explain to them that I had to do it in a way to where It was comfortable and more feasible for me to do because I was afraid my girlfriend was going to damage the furniture if you found out that I was getting it back. They said they wouldn't send anyone out until I sent the pictures which I didn't do right away because I haven't been able to access the house to do it. At that point They turn my case over to recovery which never contacted me but claims they sent someone out to pick up the furniture which honestly is impossible because nobody contacted me and I never sent them pictures so they put my account back in active status and started charging me again. Payments were supposed to stop once it was in recovery mode which that never happened. The collection calls continued as I tried to explain that their account should have Been in recovery status. The customer service ages or bill collectors work extremely rude have hung up on me numerous times have called my phone and hung up as I answered and every time I ask for a supervisor no one can help me. 1 person took my information for a supervisor to call me and I never got a call. I've even Insisted they go back into the notes in C and I even mentioned that if all calls are recorded then it should be listed on the recorded call which nobody still has answered my questions. It gets to the point where if mentally abuse me and threaten me that if I don't pay them that They were not coming to pick the furniture up. This back-and-forth and threats or extremely uncalled for And therefore I would like to make a complaint. No one is still resolve my issue yet this has been going on for the past month. Somebody please help 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 2019-01-03 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: NV

Complaint narrative:
I had 7 student loans that were initially serviced by XXXX. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. XXXX has responded that they did indeed report the status as Transferred ... however Transunion still has not corrected the STATUS. They added a comment to the Remarks section but Transunion did not update the STATUS. 

Below are the XXXX account reported incorrectly. I've already filed a complaint with XXXX and they stated they reported the status as transferred and that the error is with Transunion. So Transunion needs to fix. 

Below are the XXXX accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My Transunion file number is 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 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
On XX/XX/2018 I submitted a letter to Diversified Consultants ( Creditor ) concerning an listing in my XXXX Credit Report. I asked them to submit Validation information on a debt they reported. I wanted to make sure they were authorized to collect the debt. On XX/XX/2018 I submitted a second letter requesting again information ( Provide verification that the collection agency is licensed to collect in my state and Provide their license numbers and registered agent ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This store credit card was opened XX/XX/16 while I was a XXXX XXXX XXXX and I used it to do some car repairs. The balance owed is more than I ever agreed to and I dont agree all the charges are mine. I disputed this with the creditor and the debt collector multiple times but havent been helped and now their threatening me in court without verifying everything.

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 2019-01-03 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: ZOA, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX report. The second time it was removed from my XXXX report. It is now being reported on my XXXX report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
received credit report on XX/XX/2018 for XXXX XXXX XXXX XXXX XXXX XXXX, had a credit report of XXXX, but my last name was misspelled. as was my wife 's. My last name should be spelled as XXXX Reported as : Consumer Credit Score Source Date XXXX XXXX XXXX, XXXX Transunion XX/XX/2018 XXXX XXXX XXXX XXXX Transunion XX/XX/2018 Please make the following corrections : Change last name from XXXX to XXXX. Thanking you in advance.

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 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I toyed to purchase cloth for my XXXX XXXX  veteran dad, on XX/XX/XXXX after 5 minutes found out the merchant in XXXX so I called to cancel it I was told the purchase wasnt processed but I was charged {$160.00} so I called again but no responses I also send an email but no sign of my funds so I called city bank and disputed the transaction I was told the fund will be refund in my account within 7 days, I disputed It on XXXX XXXX so I called city bank on XX/XX/XXXX and I was hold for one hour and 11 minutes and the supervisor put on hold again and I think they hung up and now I dont know what to do, 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 2019-01-03 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: Nelnet, Inc.
State: NV

Complaint narrative:
I had 7 student loans that were initially serviced by Nelnet. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. Nelnet has  responded that they did indeed report the status as Transferred ... however XXXX  still has not corrected the STATUS. They added a comment to the Remarks section but XXXX   did not update the STATUS. 

Below are the Nelnet account reported incorrectly. I've already filed a complaint with Nelnet and they stated they reported the status as transferred and that the error is with XXXX. So XXXX needs to fix. 

Below are the Nelnet accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My XXXX file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the 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 2019-01-03 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:
XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX report. The second time it was removed from my XXXX report. It is now being reported on my Transunion report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.

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 2019-01-03 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: ZOA, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX  report. The second time it was removed from my XXXX report. It is now being reported on my XXXX   report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
The XXXX XXXX that I had was conducted by XXXX in early XX/XX/XXXX/XX/XX/2017 when I was XXXX. All the bills were taken care by XXXX because I had my XXXX card and did update my XXXX card number to customer service of XXXX via phone during the first time I did check-up with them. When I received a letter that I have outstanding debt that would be going to collection soon, I did call Customer Service of XXXX and double checked. The customer service representative said she did not see any outstanding balance on my medical record, and comforted me that they may send me a wrong mail cause there is someone having the same name as me living in Florida right now that might be the one with outstanding debts. I stopped calling them thinking my debt should not be an issue anymore. I recently figured out that the debt is still there based on my credit report request.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: TX

Complaint narrative:
On XX/XX/2018, American Express, without warning, suddenly decreased the credit limit of my XXXX card from {$30000.00} to {$5100.00} ( while the card carried about a {$4900.00} balance ). American Express extended a special low interest offer on this card before this balance was accumulated. The offer was only accepted because of factors such as the high credit limit available, and the balance was only accumulated to that level by accounting for the resulting credit utilization. Therefore, it is believed American Express reneged on its side of the bargain after the customer accepted and took actions accordingly. This kind of unilateral agreement change can potentially destroy a customer 's credit without warning. For example, the credit utilization on this card suddenly increased from less than 20 % to nearly 100 %. This " bait and switch '' tactic appears to render AmEx 's original offer fraudulent and results in customers being thrust into a " maxed out credit card '' situation/status on their credit reports.

Company response to consumer: Closed with explanation