vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Attached are documents from XXXX XXXX XXXXXXXX requesting for this account/ hard inquiries, to be permanently deleted from all 3 credit bureaus. There are still Hard Inquiries showing on my credit report for XXXX from XXXX, XXXX and Experian. This account has already been disputed and deleted and also has been advised in a letter from the creditor. 

See attached document below

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 2019-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I called up Barclays card on XX/XX/XXXX, XXXX XXXX  PST. because my credit card was " CreditAccount was locked and frozen ''. I was unable to use my credit card!. The voice automated operated was not working, when I finally reached Customer Service, the first customer service operator kept speaking over me, and When I asked if its acceptable that my " Account was locked and frozen? ", the customer service hung up on me. It was a female and the first call of the day. Is that how they treat customers where their account is locked/frozen? They should help people service their locked accounts, not hang up on people. Can they

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 2019-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
My card ending in XXXX is not being reported to any of the credit agencies.

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 2019-06-01 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: NH

Complaint narrative:
My card ending in XXXX is not being reported to any of the credit agencies.

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 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I received several notices in the mail from Portfolio Recovery about an alleged debt in the amount of {$710.00}. I responded by sending multiple certified letters asking them to validate the alleged debt. In response, they have sent me a bill from XXXX XXXX on two separate occasions. I followed up by calling Portfolio Recovery and notifying them that a bill does not equate to debt validation. I was rudely spoken to and told to either pay the collection or let it be. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP
State: NY

Complaint narrative:
From the Desk of XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, NY XXXX XXXX XXXX XX/XX/2019 Consumer Financial Protection Bureau Complaint Department To Whom it may Concern : I have written you previously, on XX/XX/2019, because our company, XXXX XXXX XXXX XXXX, and myself, XXXX XXXX XXXX, XXXX XXXX, at the address XXXX XXXX XXXX XXXX, NY XXXX, received several Demand For Payment letters from Key Bank, headquartered in XXXX, OH. This was for loan # XXXX, made in the name XXXX XXXX XXXX XXXX At the time, Key Bank supplied no supporting documents relating to this loan. 

Thanks to letters to agencies such as yours, and the XXXX XXXX XXXX, Key Bank supplied the supporting documents that showed that our then-current obligation of {$4600.00} was owed to Key Bank because Key Bank had purchased a mortgage loan we had made with another bank.

Key Bank sent us another loan statement in the amount of {$4700.00}, which we received on XX/XX/2019 ( Exhibit A ). We paid this statement off with a check for {$4800.00}, on XX/XX/2019. That check cleared on XX/XX/2019 ( Exhibit B ).

Key Bank has since sent us another payment demand, which we received on XX/XX/2019, for the amount {$4700.00} ( Exhibit C ).

In separate telephone calls on Friday, XX/XX/2019, our company bookkeeper, XXXX XXXX, and our company CFO, XXXX XXXX, tried to tell Key Bank representatives that the statement had been paid off. No Key Bank representative would take any action on these notices, saying that Ms. XXXX and Ms. XXXX are not listed on the account. 

I would call Key Bank myself, but I am severely hearing-disabled. Telephone customer service with recorded prompts, and when one finally reaches a live representative numerous questions by which I have to identify myself, are a torture to me.

I feel, as a hearing-impaired person, that I am being made a victim by Key Bank. It is a disgrace that a Key Bank representative can not talk to one of my representatives to confirm a simple matter such as a check payment, and to perhaps place a note on the account that payment is made. It is a disgrace that no note can be made of the fact that I am hearing-impaired, and that any identifying questions should be reduced to a simple password identification. 

Please do something to stop this particular annoyance, which is the latest in trouble over this loan from Key Bank Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Denied credit by XXXX XXXX XXXX ref. # : XXXX based on 4 different reasons & " NO SCORE Available '' from Equifax ! I couldn't get logged online at Equifax.com, so I then called Equifax spoke with two repres., a supervisor from the XXXX , got nowhere, asked for a US supervisor got XXXX in Nevada ID number XXXX who was difficult, sarcastic, and uncooperative. He asked me to read the XXXX letter to him over the phone. I filed a complaint with XXXX because his supervisor he said was at corporate HQ only! After being frustrated by his lack of cooperation & smug attitude I simply requested a copy of my report to be sent to me. I then went online to XXXX, logged on without a problem, noticed that the info on me was wrong, incomplete, & misleading! The disputes I had made with them previously were confusing, incomplete, and Wrong! There were NO OPINIONS On their website to follow up and request corrections! My Employment at XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, are ALL Missing! A credit dispute with XXXX appeared as Deleted without the $ 10,000+ business paid them. I can go on! So I just requested a report to be mailed to me. They all are slanting info I favor of THEIR CUSTOMERS NO WE THE CONSUMER! We have to play and get sucked into their compound interest current credit/monthly payment game to get a higher score just so they make money! 50 years of great credit doesnt matter! Ah, I see you were 30 Days Late 5 years ago! Yeh but I was T-boned by a XXXX XXXX XXXX  who died and nearly killed me, XXXX XXXX. Refused to pay me a dime! Im permanently XXXX XXXX now, spend 98 % of my life in bed, in pain, on XXXX, and cant sleep! Im having to fight with these credit bureaus again and again Until they get it right? Instead of bombarding Us with their latest marketing make money schemes, get it Right, cuz This is WRONG!!!

Im contacting my Senator XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX! Hopefully they arent too busy trying to Impeach the White House to get anything we need accomplished! This is WRONG!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX credit refuses to allow me to pay off my regular balance and continues to reduce my fixed pay loan.I have been trying since XXXX of 2018 to straighten this out. Every month I call and they say it is taken care of but it never is.

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 2019-06-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In response to complaint # XXXX on XX/XX/2019, American Express falsely stated : We show a XXXX XXXX purchase for {$300.00} posted to your account on XX/XX/2019. We reviewed the charge and based on XXXX XXXX criteria, it was determined the charge in question did not match a XXXX XXXX. For this reason, a {$250.00} statement credit will not be issued. We understand how important these types of credits can be to our customers. We regret any frustration this may have caused.

This is completely incorrect. Per the rules of the credit ( attached ), I selected a hotel from the list published at XXXX. The confirmation I sent with the original complaint matched this ( attached again ). I have complied with all rules of the credit and expect a refund. If American Express comes up with another lie, I will initiate arbitration as American Express is violating its policies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-01 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: CT

Complaint narrative:
On XXXX XX/XX/XXXX I requested a refund of {$3000.00} from from XXXX XXXX of XXXX. 

After noticing that the amount was not refunded to my account. I filed a dispute with Chase bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. 

Subsequently I was told the refund was inadvertently made to one of my Chase cards but refund had exceed the this card amount as just the amount was kicked back XXXX XXXX of XXXX on XX/XX/XXXX. 

Since then I have in contact with both XXXX XXXX and Chase bank but both companies state that neither one of has the funds. 

To date I haven't received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I took out a furniture loan with Regional Finance and at the time I had a Roomate that was helping me pay it off and now shes no longer helping and I dont have enough money but they have called me and threatened to take me to prison for not paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I went to XXXX XXXX to lease my first vehicle. I was promised and assured if I were to sign the lease that they would ensure my monthly payments be cut in half in after my first year. In addition to that promise they added on products to my lease that were allegedly free after my verbal refusal of not wanting to pay for optional add-ons. This dealership broke the law. They are in direct violation with the TRUTH IN LENDING CONSUMER LEASING ACT. This bill is designed to protect my rights and the rights of others who do not know how leasing works! I tried to talk with the dealer and other XXXX dealers. Any reasonable person would not have agreed to such terms if not for the unkept promises. When I reached out a year to the date to have my payments cut as promised via text message, it was told to me if that is what was promise then it can be done. So I went In person and was told something completely different. They lied to get me to take that car which is illegal. 
To add insult, I told them I dont want the car and I drove to leave it at the dealership because I felt uncomfortable with the deceit. The dealership refused to take the car and forced me to call to have a tow pick it up which now they are trying to charge me XXXX dollars for. 
In addition, I had a remaining loan balance of XXXX. They falsely reported a balance of XXXX on all my credit reports prior to selling the vehicle and the vehicle isnt even market valued that high. The contract states Im responsible for the remaining monthly payments plus a termination fee. THE VEHICLE STILL HAS NOT BEEN SOLD. I called on a recorded line and read the contract to the individuals on the phone and they said they would remove it from the credit report because it was not suppose to be there and a notation would also be put on the account. It is still being falsely reported. There are numerous transgressions on their part and I demand justice. They broke the law, they tricked me and now they are also scamming me. All their actions thus far have been illegal and it is my right to be protected and have my credit protected.

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 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I went to XXXX XXXX to lease my first vehicle. I was promised and assured if I were to sign the lease that they would ensure my monthly payments be cut in half in after my first year. In addition to that promise they added on products to my lease that were allegedly free after my verbal refusal of not wanting to pay for optional add-ons. This dealership broke the law. They are in direct violation with the TRUTH IN LENDING CONSUMER LEASING ACT. This bill is designed to protect my rights and the rights of others who do not know how leasing works! I tried to talk with the dealer and other XXXX dealers. Any reasonable person would not have agreed to such terms if not for the unkept promises. When I reached out a year to the date to have my payments cut as promised via text message, it was told to me if that is what was promise then it can be done. So I went In person and was told something completely different. They lied to get me to take that car which is illegal. 
To add insult, I told them I dont want the car and I drove to leave it at the dealership because I felt uncomfortable with the deceit. The dealership refused to take the car and forced me to call to have a tow pick it up which now they are trying to charge me XXXX dollars for. 
In addition, I had a remaining loan balance of XXXX. They falsely reported a balance of XXXX on all my credit reports prior to selling the vehicle and the vehicle isnt even market valued that high. The contract states Im responsible for the remaining monthly payments plus a termination fee. THE VEHICLE STILL HAS NOT BEEN SOLD. I called on a recorded line and read the contract to the individuals on the phone and they said they would remove it from the credit report because it was not suppose to be there and a notation would also be put on the account. It is still being falsely reported. There are numerous transgressions on their part and I demand justice. They broke the law, they tricked me and now they are also scamming me. All their actions thus far have been illegal and it is my right to be protected and have my credit protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had not used my XXXX XXXX shops card in over a year, when I did use it I got a temp card on a piece of paper from the store. I was never informed that our XXXX XXXX shops card was switched from XXXX XXXX XXXX to capital one. ( We moved in the prior year ). I realized I had not received a bill so I sent a payment thru my bill pay to XXXX XXXX XXXX as usual. My bill was XXXX and I had credits for XXXX so unpaid amount was only {$39.00}. I used my card for dental bills the following month. As soon as I became aware of the change to Capital One I sent a payment for the balance in full. The payment was due XX/XX/XXXX and I paid XX/XX/XXXX. So for an unpaid balance of {$39.00} was charged total XXXX In interest. I contacted capital one as soon as I became aware of the mix up and was refused credit for the interest. I called them again before filing this report and advised them I feel the interest is unfair and again the cust service and supervisor refused to help. I feel the {$98.00} Interest charge is unfair. How can you penalize a customer who did not receive a statement and was totally unaware their account had changed banks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
In XXXX of 2017 after being a loyal customer of XXXX for 14 yrs I decided to cancel the account and switch to XXXX streaming. I sent the equipment back via XXXX as instructed and upon receiving the final bill, I called them direct and paid in full on the phone. 
That payment was made on XX/XX/2017 on my debit card and it shows as paid on my statement along with directly speaking with the bank to verify. 
Now almost 2 yrs later I received a notification on XXXX that there has been a collection activity on my account re XXXX. 
I contacted the collection agency RPM XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX representing XXXX, tried to tell the representative that not only do I not know what this is all about but that my account was in fact settled in full upon cancellation. 
They not only refused to listen to me, they were straight out abusive telling me that they dont care about what I say and that I had 30 days to dispute this and now its my debt. Again, since I canceled and settled this account in full back in XX/XX/2017 I have never received any correspondence from either XXXX or this collection agency. 

Im turning to you for help because I dont know what to do.

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 2019-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
Years ago around XXXX I lived in XXXX XXXX of XXXX, Fl as a single father of two. I was wrongfully evicted for having a girl stay the night every now and then and they claimed she was living there. A year after being evicted I found out they had put a collection on my credit report for {$4500.00} for a few years I tried to dispute with no luck. I never received any information stated I even owed them any money. Fast forward to XX/XX/XXXX I had to find a new place for my family but could not due to this collection. I called Mutual Management Services and spoke with XXXX. XXXX informed me that a {$50.00} payment was made towards my debt in XXXX. I asked how is that knowing I that I never paid anything to them. He could not tell me or provide any proof to me of how it was paid or even anything about my debt. I was told they did not have to send me any information on my collection and I must pay to avoid legal issues. Desperate to get this removed from my credit report we came to a verbal agreement of a settlement of {$1500.00} to have the collection removed. When I asked for a settlement letter stating what we agreed upon and that the collection would be removed. XXXX had then told me no that he can not and does not have to send a settlement letter. I have tried contacting a manager/supervisor of Mutual Management a few times but I am always told there is not much me available. I have left multiple messages to have a manager/supervisor call in regards of this situation and have never had a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
I sent this company letters and so did the courts, this account was included in my bankruptcy case! They took this account off and reported as paid off closed, to only wait a couple of days to re add it back to my report! This account should have never been placed back on my account and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened checking and savings account with Citi bank on XX/XX/2018 in XXXX XXXX  XXXX, new york. My account balance was XXXX. Bank of Employee told me I will be getting {$400.00} for opening the accounts. I don't need to do any thing. I already met all requirements. He even gave me the ads to to proof I will get the money. As of today, I talked with several people at the bank. They said I am not eligible for the promotion. They refuse to give the {$400.00} promised.

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