vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2018 I tried submitting an online dispute with Equifax via their dispute website : www.investigate.equifax.com. I received an error message that said they were unable to initiate my dispute with the information I provided. I then called ( XXXX ) XXXX to file the dispute with a live agent. After holding for several minutes, my call was answered by a representative named " XXXX. '' XXXX asked me my confirmation number and I provided it to him. He then asked if he could place me on a 1 to 2 minute hold, while he tried to access my information. He came back on the line and asked my my name. I gave it to him and he asked me to repeat it twice. I did. He then asked if he could place me on another 1 to 2 minute hold to verify my information. He came back on the line and asked me for my address, I gave it to him. He asked me to repeat it twice, I did. He then asked to place me on another 1 to 2 minute hold. He came back on the line and asked me how could he assist me. I told him I was unable to submit a dispute online and need the assistance of a representative. He then asked me my confirmation number AGAIN. I asked him what the problem was and he said he just needed to place me on another 1 to 2 minute hold. He came back on the line and said he needed to verify my information again and would I be able to repeat it. 

I feel like I'm being treated like I'm doing something wrong by trying to access my OWN personal and confidential information. I was unable to get assistance online or via phone with Equifax. This has happened to me in the past, and I need clarification as to what the problem is. 

My credit is crucial to my well being and I am unable to get answers or assistance from Equifax. 

I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm writing this letter to dispute a billing charges to my CHASE credit card in the amount of {$1200.00} that occurred on XX/XX/2018 from XXXX marketplace. I have not receive the item of purchased, when it showed it was delivered and was even sign off with my initial when i track the status of shipment on XXXX. I've also request the authentic hand signature when sign off the packages as well with travel history of the item and it appear to be false signature. I'd immediately contacted the seller XXXX in regards of the problem and have come to an agreement to have the charges directly credit back to my accounts. Yet the balances is still have not been resolves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have been trying to get this resolved with XXXX and XXXX XXXX XXXX but no one is able to assist me. My credit report is reporting two derogatory items for the same exact loan and is a duplicate item. I have spoken to XXXX who is sending me to The Department of Education, which is being handled by XXXX XXXX XXXX, and they are telling me they cant do anything I have to call XXXX. When reaching out to XXXX they are turning me to The Department of Education. Not to mention when I was trying to pay this debt off in 2017 I was told I had no other option but to pay a settled amount or not pay at all. I was only {$80.00} short of paying the full amount and was told I had to just settle for less or continue getting called every hour by the collection department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Trying to get an ATM card for a checking account with Bank of America and being asked for an extortionate amount {$28000.00} for the privilege.  This can't be right can it???? 
See extract from their email ... 

This Social Security Code ( SSC ) would be legally processed and obtained from the XXXX XXXX XXXX XXXX XXXX XXXX as the XXXX XXXX   here in USA, and they informed us today that the Social Security Code ( SSC ) that would back up your US your card would cost you the sum of US {$28000.00} only which would be processed by their Head Security department. We would apparently insert this code on your master card before we do commence with the legal and safe delivery of your card to XXXX for proper security purposes which is of your own most benefit and good. 


Do you wish to transfer this payment to our CFO 's ( XXXX XXXX XXXX bank account? or would you want to transfer the payment directly to the Federal Reserve bank where your code would be processed and obtained successfully? We await your urgent response with this payment asap for the delivery of your master card to commence effectively to XXXX this week for its great benefit towards the charitable institutions. XXXX XXXX XXXX CEO./President

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 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: WA

Complaint narrative:
I have been in dispute with XXXX about this bill. I have had it removed from credit due to dispute with other collection agency, only to have it moved to another collection agency and placed on credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
On three occasions, I tried to open a savings account at XXXX XXXX XXXX  branches located in XXXX, TX. The bank disapproved my application to open a basic savings account. The disapproval was solely communicated verbally and the bank refused to provide a written disapproval. The personnel I dealt with at XXXX XXXX XXXX  stated that they chose not to open a savings account for me because I appear to be a XXXX. I contacted ChexSystems. According to my latest ChexSystems report, I have no overdrawn bank accounts. I filed numerous complaints against XXXX XXXX with governmental authorities. Recently I received a letter from XXXX XXXX stating that they disapproved my application for a savings account due to information received from ChexSystems. They provided a letter on ChexSystems letterhead stating that ChexSystems disapproved the account. The ChexSystems letter disapproved the account, but stated no reason for the disapproval.

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 2018-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: TX

Complaint narrative:
XXXX XXXX contacted me via mail saying I owed money and they were trying to collect. I asked them to stop contacting me and to send me verification of the debt. I was told that if I " disputed the debt '' by requesting that information they would not work with me in the future on settling the amount. Sometimes they would call and I would answer and no one would talk. The calls stopped until shortly after I received a letter. The calls resumed on XX/XX/XXXX. Sometimes I receive up to 5 calls a  day. Please see the following for the list of dates and times I have received calls in the month of XX/XX/XXXX alone : XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX When I have spoken with them about potentially resolving the debt they are very pushy, to the point where I couldn't speak without getting spoken over. I could not even attempt to make a plan to pay the debt if I wanted because they won't pause to give me a chance to talk. 

They have even contacted my step-dad and I never provided his information to them. I don't know if they have contacted anyone else as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX disputes regarding a collection and requests for validation of a debt were sent to Experian that included the following accounts : XXXX/XXXX XXXX XXXX Acct : XXXX, XXXX. 
An inquiry from XXXX XXXX  on XX/XX/XXXX and names I have never gone by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several follow up letters by certified letter, more than 10 phone calls and 3 direct uploads to their online disputes system and contact attempts were made well into XXXX  of last year. A CFPB complaint was made XX/XX/XXXX about all erroneous reporting. All of the above accounts, inquiry and incorrect name information was removed from my credit file. Upon checking my credit file on XX/XX/XXXX, this information has been erroneously placed back on my credit report with out notice by Experian, XXXX  and XXXX. In violation of the Fair credit reporting Act. 

In addition, XXXX, XXXX and XXXX continue to report XXXX   XXXX XXXX XXXX XXXX. After receiving information verifying the account had various errors in it's reporting. Another violation of the FCRA.

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 2018-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Agreed to a rate reduction program on the basis that my account would not go any further negative once i started making the qualification payments.Instead they kept reporting it getting further and further delinquent even after i made all the qualifying payments. When i brought it to their attention they just told me to keep paying and they would investigate it further. They took over 3 months to even address the issue. I made several contacts to them asking about the status of this and always got a response saying they were still working on it. It was not until i told them i was stopping my payments that they, all of a sudden, came to a resolution about fixing it. They did fix the initial issue after 3 months but by that time my cosigners and myself had already had all cards and such terminated due to this huge error. Now, since i stopped paying, the refuse to bring my account into current standing. I only refused to pay so something would be done! This all stems back to when i originally set up the plan. At that time i agreed to the plan and paid the qualifying payments like i was supposed to and they didnt hold up their end by telling me i wouldn't go further delinquent. So i felt it was fair for me to stop making payment after they clearly violated our agreement and thought nothing of it, since they waited over 3 months to come to any resolution on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has an option for consumers to use their online dispute feature at the website disputetransunion.com. There system is preventing me from accessing this feature without providing me notice. I correctly logged in with my account, I know this because I can access my profile and it reflects my information, but when I try to use the dispute feature I get the following error message : We are experiencing technical difficulties. 
We appreciate your patience while we resolve this issue. Please contact us at ( XXXX ) XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX ET Mon-Fri ). You can also mail your dispute. 

I then tried to log out and click the log in help link that says Forgot your username or password? and directs to the link https : //dispute.transunion.com/XXXX. 

That link directs you to a page that asks for credentialing information, which is social security number and last name. When I correctly enter that information, it directs me to a new page with the following error : We are unable to complete your request. 
What happened : We could not log you in with the information you provided. 
What to do : Please contact us at XXXX. 

I strongly believe that this is due to the fact that I have recently accessed the dispute page on numerous occasions to compile the information that I need to generate an online dispute regarding a specific item on my credit report, but have yet to submit. I believe that the company is trying to limit my rightful access to my report. Thank you.

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 2018-09-28 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: Applied Business Services, Inc.
State: SC

Complaint narrative:
There is a charge on my credit report that is not mine. It is an EMS charge with XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the EMS company and told them it was not mine. The EMS agency confirmed the address was not the one they had on file and removed the charge from my credit report. 

However, the charge has now reappeared. This time I contacted the Collection Agency ( Applied Business Services , Inc. XXXX XXXX XXXX ) and told them it was not my account, and I provided them with a copy of my XX/XX/XXXX and XX/XX/XXXX XXXX showing my address, showing that since XX/XX/XXXX I have never lived at the address that the EMS company had on file - it is in another town! 

I asked them to remove this from my credit report because it is not my account. The credit agency did not do that. They simply sent my current address to the EMS agency. The charge is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/2018 I called Ally Financial and spoke to a representative about an advertised offer that provided for a {$1200.00} cash bonus for opening a new account with {$500000.00} or more. I inquired as to whether the combination of my two accounts, an IRA and a Roth IRA, would qualify, since the combined value was well over the threshold. I was told that the combined value would be considered. I opened the two accounts and transferred securities. Ally calculated the bonus 60 days later and gave me a bonus of {$600.00} in one account and {$300.00} in the second account. When I called to inquire of this discrepancy, I was told that the two account values were  considered separately and that they would not give me the full {$1200.00}. I would like for Ally to fulfill their commitment of a {$1200.00} new account bonus. 

I've attached my call log showing the date and time I called from XXXX. A review of this phone call should confirm my conversation.

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 2018-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX and I'm not sure if I am in the right category of complaint as there was no exact option. I have a major complaint against my Loan Servicer, LoanCare ( XXXX XXXX XXXX XXXX   XXXX specifically ). I've called them and emailed them over 8 times in the past 3 months to try and get my PMI removed as I have enough equity in the property and have passed the FHA length of stay guidelines to do so. All I need is an appraisal. This should be very easy! 

I've sent 3 emails via my online portal about removing PMI, each time I follow up within a week or two and they say they can't find anything after transferring me to 3 departments. Every call is at least 45 minutes in length. This should be a federal crime as I'm trying to get an appraisal to legally get my PMI removed and they don't have the infrastructure in place to support this and are essentially stealing my {$500.00} plus a month by not contacting me back. 

I am completely unsure of what to do next, please take action against this atrociously run company. 

Thank you.

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 2018-09-28 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: PA

Complaint narrative:
Its 96 inquires on my credit report that i never applied for and its not fair to me, i am a fraud victim and i want this credit report agency to remove all that off my credit now and rescore my credit .Its keep reappering on credit and i want it off now, this goes back from XX/XX/XXXX to XX/XX/XXXX.This is Fraud ... someone stealing my name applying for stuff in my name

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 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I applied for a Barclay Business Aviator Credit card in XX/XX/XXXX. Over the course of a few weeks I was told more information was needed and was sent two conflicts letters on the same day asking for different types of information. I sent in information and called to confirm that it was received. I was told the card was approved, but then I was sent a letter of declination. I then called and they confirmed that it was an error by a representative and verbally approved again, and follows up with a letter and e-mail on XX/XX/XXXX. I was told I would get a card in 7-10 days. I  did not. 

On XX/XX/XXXX I called to complain that I did not receive a card, and see if another incompetent barlcaycard representative had made a mistake. I was told a new card was received on XX/XX/XXXX. I stated that I did not receive a card and explained that all my mail is scanned by USPS and no such envelope reached XXXX, OR. After about 9 telephone calls and numerous hangups and over 4 hours on the phone I still have not had the issue resolved. Every call I am told I need to speak to someone else, and put on hold. The representatives tell me conflicting information and keep making me run in circles without resolving the issue. 

I was told that my card was used for cash advances in Georgia, where I am not, and where I have never used a cash advance. I was also told that they could not help me because the phone number they have on file is different, and they could not check my original number in my application.

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