vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I was approved for and activated an American Express ( Delta Platinum ) credit card onXX/XX/XXXX,  and incorrectly assumed that the annual fee of {$190.00} would be waived for the first year and that I would receive a companion certificate for airfare purchase. Once I found that out, I called in more than once to speak with Customer Service, to see if that could be negotiable. I was ultimately told NO on XX/XX/XXXX, and so on that date I cancelled the card and closed the account, and paid off, on that same date, the {$1200.00} that I owed in purchases that I had made ( minus the {$190.00} annual fee that I had decided NOT to pay since I was not going to keep the card ). Now, keep in mind that I had already, on XX/XX/XXXX, paid off the first statement I received for {$250.00} - which included the {$190.00} annual fee ). Then, I asked AMEX to simply allow me to do that and have us be " done with each other. '' Again, on that same date, they said NO - that I still owe the {$190.00} annual fee, plus {$34.00} in fees & interest. Keep in mind that I only had the card for 6 weeks! I followed up by letter, again requesting that, since I paid off what I purchased, and had cancelled the card, to please close all business between us, to which they responded by letter, again saying NO - that the charges were correct. <P/>Now, what can I do? I am getting monthly statements, with additional fees & interest, for a credit card that I have already closed, paid off purchases for, and I feel both harassed and trapped. Can I stop all of this without having to pay these charges that I disagree with? The most recent XX/XX/XXXX statement has me " owing '' {$270.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
COLLECTOR WENT ON MY CREDIT REPORT WITHOUT FURNISH 30 DAY NOTICE AND IS A INVALIDATED DEBT INQUIRY OM MY  XXXX . FAILED TO CEASE AND DESIST.

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 2017-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a  " Citi Double Cash Card '' credit card from Citi Bank. When the monthly invoice arrives there is absolutely no mention of who to make the check payable to when paying via check. This is a deliberate tactic on Citi 's part in order to make it more difficult to pay via check. This is doubly strange because they include a complimentary envelope with which you can mail payment, either in the form of a check or money order. I hav e saved the original invoice and can forward it if necessary.

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 2017-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX SSN : XXXX XXXX XXXX XXXX Regarding : My Experian file : XXXX According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you. I am asking for the following accounts to be verified or removed immediately. XXXX XXXX XXXX /XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have been the victim of friendly identity theft recently. Paypal and my bank say they are not on the hook for the money. the money way taken from   XX/XX/XXXX   to   XX/XX/XXXX .   <P/> my bank refunded me {$3000.00}  USD for the first 60 days of transactions. they also Refunded {$19000.00} USD w hich was fraudulently used on my credit card. the problem is i still have {$35000.00} missing from   XX/XX/XXXX   till   XX/XX/XXXX .   <P/> I was wondering if this money was stolen out of my business checking account is there any insurance on it?

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 2017-05-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting a collection on my credit report in the amount of  XXXX  dollars with  XXXX   XXXX . This dropped my score over  XXXX  points. It is making impossible for me to get new credit. Its unfair that Equifax is singling me out and not abiding by the New York Attorney General settlement. I was never notified of this collection. A  XXXX  dollar balance? Why would i not pay that. I refuse to pay a collection company money i do not owe. When i talk to my medical provider i do n't owe them a dime.  <P/>   Medical colle ctions  are notoriously inaccurate.  Information  is bought and sold numerous times. I 've also never been contacted by this company. How can you report something on my credit report that is not mine?  <P/> Finally, Equifax should be more consumer friendly. More understanding to how their false reporting affects consumers.  XXXX  dollars? Why would n't you just remove this instead of having to deal with a complaint or better yet a lawsuit where they will be paying me thousands of dollars.  <P/> Equifax should be investigated for their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax shows a address and name that is completely wrong.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  <P/> I have never lived there at all! I suspect fraud.  <P/> They also show a name as  XXXX ?  <P/> That is not my name.  <P/>  XXXX  is correct. Why is my equifax score at  XXXX  and my  XXXX  score at  XXXX ?  <P/> How can there be that big of a difference?  <P/> My correct information is :    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   Ind  XXXX   I have worked at  XXXX ,  XXXX   XXXX , and now I work at  XXXX    XXXX  the  XXXX   XXXX   XXXX  .   This is not that difficult, why ca n't these credit bureaus communicate and ensure that information is correct. I believe these credit bureaus have a responsibility to ensure that information is correct.   Please have Equifax remove this fraudulent information. Thank you  XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This is the SECOND complaint I am filing as Midland Funding LLC has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered  credit score. I disputed these two accou nts o n  XX/XX/XXXX  of  this year through  XXXX ,  XXXX  and  XXXX  to no avail.  Midland Funding has  appropriately closed one account  (   XXXX   ) , but still leaves  one  account (  XXXX  ) open without any sort of validation.  <P/> To date , Midland Funding has  continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I have  the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. I received a paper stating that the account was " verified. '' Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.  <P/>  Midland Funding stated in their response that they have verified that the items listed are accurate but has failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said you did. Midland Funding 's failure to delet e the disputed accounts that you cant verify after  two written requests is also evidence of your willful disregard of Federal Law.   <P/> This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Midland Funding LLC can not tie me to this account, otherwise, it would have been provided with my initial request. Midland Funding LLC is blatantly disregarding the law and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Complaint number  XXXX  is not resolved. Although  XXXX  does not appear on my Equifax report ...  XXXX  representing  XXXX  still appears.   XXXX   and   XXXX   have removed both  XXXX  and  XXXX .     Attachment s : # 1 and # 2 : Emai ls from  XXXX  that their error is completed.    # 3 : C urrent report from Equifax showing the unauthorized inquiry of  XXXX  is still on my credit-report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My identity have been stolen I 'm XXXX, My XXXX opened and applied for things in my name and ruined my credit, I cant even get out of XXXX XXXX XXXX XXXX help .This is making me XXXX and I really need this fixed I recently saw more inquirys on my credit and I need all these removed my XXXX is currently being investigated please help me fix this she recieves all my mail before I get it again I just need this fixed

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 2017-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This is the SECOND complaint I am filing with the CFPB, and third written request, as Portfolio Recovery has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the three major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered credit score. I disputed these two accounts on XX/XX/XXXX of this year through XXXX, XXXX and XXXX to no avail. To date, Portfolio Recovery has continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. I received a letter stating that the account was " verified. '' Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Portfolio Recovery stated in their response that they have verified that the items listed are accurate but has failed to send me copies of relevant documents that they used to verify these accounts as per my request that tie me to this account. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said they did. Portfolio Recovery 's failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Portfolio Recovery can not tie me to this account, otherwise, it would have been provided with my initial request. Portfolio Recovery is blatantly disregarding the law and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX shows a address and name that is completely wrong. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived there at all! I suspect fraud. They also show a name as XXXX? That is not my name. Transunion is correct. Why is my XXXX score at XXXX and my transunion score at XXXX? How can there be that big of a difference? My correct information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ind XXXX I have worked at XXXX, XXXX XXXX, and now I work at XXXX XXXX XXXX XXXX XXXX XXXX. This is not that difficult, why ca n't these credit bureaus communicate and ensure that information is correct. I believe these credit bureaus have a responsibility to ensure that information is correct. Please have XXXX remove this fraudulent information. Thank you 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 non-monetary relief
Consumer complaint received 2017-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  NC,  XXXX  SSN : -- -- --  XXXX  Regarding : My  XXXX  file :  XXXX  According to Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your   failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you.  <P/> I am asking for the following accounts to be verified or removed immediately.     XXXX   XXXX   XXXX    /  XXXX     XXXX   XXXX   XXXX   XXXX  /   XXXX    XXXX   XXXX   XXXX      XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX      XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX     XXXX   XXXX   XXXX   .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  NC,  XXXX  SSN :   XXXX   XXXX   XXXX   XXXX   Regarding : My  XXXX  file :  XXXX  According to Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifie d accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you.  <P/> I am asking for the following accounts to be verified or removed immediately.     XXXX   XXXX   XXXX    /  XXXX    XXXX   XXXX   XXXX   XXXX   /   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX      XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX     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 2017-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
the problem is navient says i 'm on a variable interest rate..i went back on my records when i was with   XXXX   XXXX   my private loan payments were always {$320.00} ...  XXXX   XXXX  i was switched over to  Navient  and payments stayed the same till  XXXX   XXXX  when they went to {$320.00}.  XXXX  of  XXXX  they went to  XXXX .  XXXX  of  XXXX  they went to  XXXX  and now its  XXXX   XXXX  and its up to  XXXX  ..it has gone up {$3.00} in 5 months this year alone.. I know for a fact i never singed on variable intrest rates and have called serval times requesting the paper work showing i signed off and agreed to variable   interest rates..I have never recived any proof of this and my rates keep going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My identity have been stolen I 'm  XXXX , My   XXXX   opened and applied for things in my name and ruined my credit, She recieves my mail cause i can   XXXX   XXXX   XXXX   XXXX   XXXX    .This is making me   XXXX   and I really need this fixed I recently saw more inquirys on my credit and I need all these removed my nurse is currently being investigated please help me fix this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-28 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: FL

Complaint narrative:
report  XXXX  received Sat  XXXX / XXXX /   2017  remains incorrect. Some issues rectified others not.  XXXX  shows a negative when account is still in good standing and they CONFIRM balloon included in balance due. They continue to show a North Carolina  XXXX   XXXX  when we have never lived, conducted business or know of any relatives in North Carolina. There is a " State Legislative Freeze '' but no explanation and np mention of the security freeze? Attempts to reach them have come up empty! They do not allow a dispute! Numerous non authorized inquiries and they force you to notify some of them who made the inquiries before processing. They offer a free account but then they state it can not be processed. In my opinion they have serious reporting issues all of which create serious financial hardships and burdens for us as witnessed by the number of complaints posted and closed by you which are still unresolved.

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