vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 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: AZ

Complaint narrative:
In XXXX of XXXX upon moving from XXXX  to XXXX, I was told by my bank, XXXX XXXX XXXX XXXX, that I would be able to conduct banking at a large number of credit unions and would not need to close my account. Once I arrived in XXXX  and tried to make a deposit, I was told that I was not approved to make deposits out of state. This resulted in my account becoming overdrawn and I had no way to bring the account up-to-date unless I traveled to XXXX, which was not possible at the time. 

So, the checking account went to collections. In XXXX of XXXX, the bank finally decided I could mail a check to an address in XXXX  to clear the account. So, I did so and received a letter back from the bank showing it was paid in full. 

However, the account was and is still showing twice on my credit reports. Both entries show the same account number. However, one shows when my account was actually opened in XXXX and the other shows an account was opened in XXXX ( 16 years before I was even born ). I've tried multiple times to get them to remove the second entry and have disputed it with the credit bureaus several times. 

On my latest dispute, the bank reported to Equifax on XX/XX/XXXX that this account now reported a late payment in XX/XX/XXXX. How could I have late payments on a checking account that was paid in full in XX/XX/XXXX and has been closed since XXXX? How can payments even be made on a checking account? All of the reported data is incorrect. The two entries on the credit report even show the same account number being opened on different dates. 

I have been fighting to have this removed for nearly six years now. I can provide the paid in full letter as well as show the incorrect credit report as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
SENT IN A PAYMENT ON MY AMERICAN EXPRESS INSTALLMENT # XXXX LOAN AND AMERICAN EXPRESS POSTED MY PAYMENT XX/XX/2019 WHAT WAS DESIGNATED AS THE XX/XX/XXXX PAYMENT .AMERICAN EXPRESS DID NOT ADVANCE DUE DATE TO XX/XX/XXXX.THEY TOOK MY PAYMENT AND DID NOT ADVANCE THE DUE DATE ALSO I HAVE REQUESTED IN THE PAST FOR AMERICAN EXPRESS TO PROVIDE MONTHLY STATEMENTS BY MAIL AND THEY HAVE NOT COMPLIED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I am currently past due on my mortgage, which is serviced by Specialized Loan Servicing. When I tried to make a payment online ( XX/XX/19 ), I was unable to do so because of the delinquency, and was directed to call its service center. When calling the service center, the representative said that I would need to pay a fee to make the payment over the phone. I asked to speak with a supervisor, and was placed on a lengthy hold. When the agent returned, she said that the supervisor would call me back, which did not occur. 

I called back the next day, and had a similiar experience. The agent spoke with her supervisor, and still refused to waive the fee. 

It seems a bit unfair and abusive to restrict usage of the website, and still require someone to pay a fee, making it more difficult and expense to try to pay one 's mortgage. 

I asked the representative to file a complaint, but she said she could only log my " dissatisfaction. ''

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 2019-04-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This agency- an alleged computer protection agency - will send me a email stating- this looks like a previous complaint. NOW get this- if this agency ever did anything to act and correct the problem there would be no need for another complaint but this is the season we are in. HELLO! Yes my score went down again on incorrect and dated information and their posting of 4 inquiries from one car dealer, which the state of Florida allows you to do to SHOP- otherwise how can you? Yes they send you an alert and the alert says - get this - DUH - CURRENT XX/XX/2018 HUM what month are we in? XXXX HUM OH sorry! to the date a negative happens its RIGHT IN THE REPORT- immediately but they are current on old balances and information without recourse! Now do you who may read this actually think they care? And they that work for them- '' I'm only doing my job. '' Now they will ask me what I would like as a resolution HA, HA, HA, HA, HA, HA SORRY. Just opinion by experience. After all they only report what the lenders give them - two months late. OH Well XXXX it up!

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 2019-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
My name is XXXX XXXX, paypal case number : XXXX I am respectfully requesting that the hold on my funds/account be lifted. i contacted paypal, speak to a supervisor, she made it seem promising i would receive my funds being held, she said i would receive an email with an answer 7-10 Business days, i have yet to receive the email. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 

I have previously requested a review/appeal of my case over the phone, which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on Friday XXXX, XX/XX/2019 if I am not satisfied with PayPals response to this request to release my funds : The United States Federal Reserve XXXX : XXXX? XXXX ( I understand that PayPal does not operate as a bank which is precisely why they may be interested in such complaints ) The XXXX XXXX XXXX : XXXX : XXXX The Florida Office of the Attorney General XXXX XXXX XXXXcontact Consumer Finance Protection Bureau https : //www.consumerfinance.gov/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 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: CA

Complaint narrative:
I some student loans reporting on my credit report that are not mine. I have tried removing them in the past. Several have been removed but there is one left that is still reporting. I need to have this removed from my credit report because it is inaccurate 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 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have 29 hard inquiries on my report by dealership that I. Didnt consent too and I spoke to a credit adviser that I can get all or some of them off the dates are XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX those are multiple inquiries on my credit report that I didnt consent too and would like to remove them please thanks

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 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I tried to purchase a puppy online for {$950.00} on XX/XX/XXXX, on XX/XX/XXXX the seller never mailed the puppy which was the day I was suppose to receive the animal. Once I noticed the puppy wasnt sent a police report was filed on XX/XX/XXXX at around XXXX due to the scam. Police have proof and evidence that I didnt receive any merchandise which in this case was a dog. I tried to contact the bank on 3 separate occasions the first one was on XX/XX/XXXX and they denied my claim a couple days later because in there terms I authorized the payment. On XX/XX/XXXX I called again to refile the dispute which as of yesterday XX/XX/XXXX was denied again. It's just crazy because I tried to make a purchase and never recieved what I intended to buy now the bank doesnt want to work with returning my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I just received a letter in the mail about a credit application in my name that was denied. I never applied for a credit card and would not every do business with Capital One. This is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We had closed our business. The liquidation process included a Citibank business bank account and we kept it open for few months after business closed which was XX/XX/XXXX. The account had the last of the business funds for clearing all outstanding debts. The business had a XXXX XXXX merchant  card account which was originally referred to us by Citibank banker and merchant services employee. Since the business closed, me and my partner asked the XXXX XXXX branch, where we opened the account, to cancel our merchant card account and close the bank account XX/XX/XXXX. The XXXX XXXX merchant credit card service, customer service number they gave us kept us on hold or sent to voice mail. After two months of runaround my partner went XX/XX/XXXX and asked to close the account. She is a signer in the account and they refused and asked to keep it open until the transaction posts. That would leave a balance of {$5.00}. They ignored the request and did nothing about it. No follow up, no actions. All these time they have been charging the merchant card fees.Request for help over phone again was not reciprocated. Only reason we assume is that unwilling to help due to the fact that XXXX  is not our first language and XXXX is. My partner changed addresses and in order to update the address for personal account and close business account she went to bank and requested to business account to be closed. She was told there is charge again ( - {$160.00} ) or so. We closed our business and are rebuilding our lives. This unnecessary expense which was not our fault was upsetting, and my partner went to talk to the manager. The emotional request was no helped. My friend a translator knew our plight and came to help translate on our behalf. His insistence immediately caused the manager to call XXXX XXXX and close the merchant card account. The translator friend just stated the unfair mistake on their part and requested remedy and close the account today XX/XX/XXXX. The manager became combative and starts making threats that he will not close the account and send the fees to collection, and he can escort my translator friend out of the store. Request for contact info of superior officer was denied. The disrespect and bad customer service compounded with refusal to help and threaten financial attack using collection as a conversational piece made my partner livid and hurt emotionally. Its not our fault the merchant card account was not closed. I hope a business agency like CFPB would hear our plight and help us resolve the issue.

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 2019-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX and before I was charged by " XXXX XXXX '' and total of at least {$380.00}. I had spoke with someone to cancel and it was never cancelled. I called and cancelled it again today. When XXXX XXXX switched to Citibank, I never agreed to anything from " XXXX XXXX ''. Back in XX/XX/XXXX, I received a letter from Citi saying I would received letter that I would receive credit of {$130.00} due to a similiar problem. It seems there is an issue with credit protection agreements and XXXX and/or Citibank.

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 2019-04-17 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citi Checking account on XX/XX/XXXX to take part in their 30,000 XXXX XXXX miles promotion. 
The terms of this promotion was to spend at least {$370.00} on qualifying purchases within 60 calendar days of opening the account, and download the Citi Mobile App and login with my Checking account credentials. The XXXX miles were to be credited to my AAdvantage Account within 90 days of completing all required activities. 
I completed all activities on XX/XX/XXXX, well within the 60 days of opening the account. 

I initiated a chat with Citibank multiple times within the 90 days from XX/XX/XXXX to confirm I did indeed complete all required activities, and both times they confirmed I had. I asked when the miles would be credited and they said to wait the full 90 days. 

On XX/XX/XXXX, the end of the 90 days from completing required activities, I initiated another chat with CitiBank and they opened a Claim to investigate it. I waited 19 business days from that time to receive a response from the claim that said the " miles would be credited to my AAdvantage Account within 90 days of completing all required activities. '' Even though it was well past the 90 days at that point, and the missing promotion credit was the entire reason I opened the claim. 

I then called CitiBank and they again confirmed I fulfilled all requirements and opened another claim. 
I still have not received the Mileage bonus and am told I need to wait another 10 business days for the new claim to be completed.

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 2019-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a credit card with Best Buy. It was enrolled in automatic payments from my checking account. In XX/XX/2016 I went to the store and they said the account was closed because I did not pay my bill. I was surprised and tried to fix the situation with the creditor. They said that would open an investigation, and the next month they started again with the automatic payment. But, in my credit report is showing late payments, account closed by credit grantor and I am current paying this bill. Also, they never notified me that the payment did not go through.

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 2019-04-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Starting on XX/XX/XXXX I submitted a request online to XXXX XXXX for a " request for refund. '' I was unable to take the flight due to medical reasons. ( documents attached ) I also opened a request with Citi bank to help me obtain my refund since I was only able to interact with XXXX XXXX via internet website only. I have faxed Citi bank multiple times, I have called customer service a number of times to only be told that the " back office is working on it. '' I have faxed them on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and not to mention the phone calls into customer service. I am requesting that {$300.00} be returned to my account. I have also included a document from the XXXX XXXX accessed online on XX/XX/XXXX that the status of my request shows " refunded '' on the XXXX   website. For whatever reason these funds have not been applied to my Citi bank checking account.

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 2019-04-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to report old balances On accounts, 30 to 45 days, had to file dispute for correction.

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 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This debt has past it's legal limits to be reporting on my credit report. Buying an old medical debt, does not warrant it being used as a new collection account. 
I want this removed due to the fact that I have no legal obligation to pay this company. My legal obligation would be between the original creditor and myself ... if a debt is indeed owed. 
I have no idea who this company is and never entered into any legal agreement to pay them anything! This is fraud in a legal loophole form. The selling of old debts and then listing them as a new debt on someones credit should be illegal. Especially with the way our system is structured, where we depend on decent credit to obtain basic necessities these days!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Zenith Financial Network Inc
State: CA

Complaint narrative:
ZFN and Associates keep calling several times a day to the house phone and my cell phone. They called from different phone numbers. List of phone numbers they used, XXXX XXXX and XXXX. Informed ZFN and Associates to communicate with me in writing and to stop calling. That was 2 to 3 week ago and as of today XX/XX/2019, they keep calling.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I contacted the company originally XX/XX/2019 to request validation of an account ( specific original documents and information were requested ) to which they sent me a letter from their collecting department stating that the debt had been verified as accurate. Simultaneously I requested that all debt collection be ceased as well as calls to myself, or place of employment. On XX/XX/2019 I followed this letter up with another request for validation with specific information to which my request was ignored- again. Consequently I asked them to cease all collection activity, and reporting. A few days later I received a collection letter in the mail, blatantly disregarding the FCRA, and CFPB laws and sanctions.

Company response to consumer: Closed with non-monetary relief