vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have disputed a fraudulent account with Experian and XXXX XXXX several times. Each time, the dispute results in the account being removed from my credit report. Soon after, the account returns to my credit report, further damaging my credit score. I have spoken with agents and have been told the account was " never removed '' despite having considerable evidence that this account has been deleted each time. 

Since said account has been reported as fraud, I am not responsible for the unauthorized charges and continue to be held responsible. This is evident in my continuously plummeting credit score. 

Not only is re-adding this account to my report wrong, but according to the Fair Reporting Credit Act, I should have been notified within three days each time this was added back onto my report and I was not notified a single time.

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 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am serving as guarantor for a residential rental in XXXX XXXX XXXX in Maryland. As part of the evaluation process, the XXXX XXXX  requests that I go into a website called XXXX to provide personal information and to authorize them to get a credit report. I followed their instructions and completed the information in their website on Friday XX/XX/XXXX at about XXXX EST. 

The next day, I received a message form the XXXX company requesting me to Un-Freeze my credit report because, according to them, I had placed a FREEZE in my credit report and they could not retrieve my credit information. They instructed me to go to EXPERAN.com to UN-FREEZE my credit report. 

I was surprised by this news since I know I have not placed a freeze in my credit report. In fact, I had never heard of EXPERIAN. 

Nevertheless, I went into the EXPERIAN.com/FREEZE website and supplied my personal information and request to UNFREEZE my credit report. The website requested a security PIN number in order to proceed, a PIN I have never received because I have never requested such a FREEZE. I have tried to UNFREEZE my credit report for several days now, including using EXPERIAN 's website and by calling them at several phone numbers. One of the persons I was able to speak to, XXXX, who works at EXPERIAN told me his records show that I had requested a FREEZE in my account on XX/XX/2019, something that is NOT TRUE, because I did not request such a FREEZE. In fact I was trying to UNFREEZE something they FREEZED without my authorization. During the conversation it came up that they could UNFREEZE my credit report by tomorrow if I paid them {$20.00}. And this, I suspect, is their goal in all of this, to get my credit card information and to get paid {$20.00}, or even more, once they have my credit card. 

I believe this is a fraudulent activity by EXPERIAN and or the XXXX XXXX, where one of these firms, or both working together, have hijaccked my credit report and now they are coercing me to pay them in order to UNFREEZE my credit report, something I had never FROZEN before.

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 2019-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On Friday, XX/XX/XXXX I wanted to send {$5000.00} to someone in XXXX, XXXX. I use Western Union because the banks in XXXX don't have cash for withdrawals. I have been sending to the same recipient between {$2000.00} and {$5000.00} every month since 2016, since he runs a program supported by my nonprofit organization. 

This time, when I went to send the online money transfer, I got a screen asking me to provide my bank account number and login ID and password, allegedly using a service called XXXX. The URL on the page said I was on a Western Union site. I called both Western Union customer service and our relationship manager at XXXX, and neither of them could tell me anything about whether XXXX is secure. I did not feel safe providing my bank log-in to a site with no way for me to know if it is safe. 

I wrote to the Executive Services office at Western Union and I asked my XXXX representative to escalate my question to someone at XXXX who could tell me if they endorse this procedure, but no one responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have disputed a fraudulent account with XXXX and SYNCB/TJX COS several times. Each time, the dispute results in the account being removed from my credit report. Soon after, the account returns to my credit report, further damaging my credit score. I have spoken with agents and have been told the account was " never removed '' despite having considerable evidence that this account has been deleted each time. 

Since said account has been reported as fraud, I am not responsible for the unauthorized charges and continue to be held responsible. This is evident in my continuously plummeting credit score.

Not only is re-adding this account to my report wrong, but according to the Fair Reporting Credit Act, I should have been notified within three days each time this was added back onto my report and I was not notified a single time.

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 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I went into XXXX XXXX made a purchase for XXXX dollars and XXXX cents. I asked the cashier where is my XXXX dollar promotion. She said you made a purchase that had a subtotal of less than XXXX dollars. I said ok, I will return these items and then I went to customer service. I told them I needed to return the items I just purchased. They returned the items and told me that the sodas I purchased can not be refunded or returned. I was alright with that. I spoke with them about my promotion and they said the purchase has to be over XXXX dollars on the subtotal which was the same as what the cashier said. I returned what I could right then and there. I proceeded with making my purchase for over XXXX dollars on the subtotal and like magic my promotion was automatically applied and I paid the difference of XXXX dollars and XXXX cents right there in the store. The problem came after a few days of checking my account and seeing that the return did not show up on my credit card it only showed the purchase. This left me with three receipts to show the transactions that took place and a few phone calls and disputes with customer service. They or customer service assured me that everything would be shown on my account in a few days but did not happen. I recieved the promotion but my credit card statement is not. I sent in the formal dispute however they did not accept my receipts showing the promotion and have not credited my account of the XXXX dollars.

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 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
On XXXX XX/XX/2019, I received a letter from Capital Accounts  stating that I owed a debt of {$460.00} to their client, XXXX XXXX XXXX. On XXXX XX/XX/2019, I sent, via certified mail, a notice of dispute and requested that Capital Accounts provide 1. The full name and mailing address of the original creditor for this alleged debt ; 2. Proof of my agreement to pay the original debt ; 3. A copy of the final account statement issued by the original creditor ; 4. A breakdown of the total amount due, showing principal, interest and other charges ; and 5. For all other charges, the date and basis of each charge ; 6. Documentation showing that you are licensed to collect debts in Virginia. 

Furthermore, I stated that because I was disputing this debt they should not report it to the credit reporting agencies. Should they have previously reported it, prior to my letter dated XXXX XX/XX/2019, I requested that they notify the credit reporting agencies that the debt is being disputed and/or delete the trade line from my credit report. 

On XXXX XX/XX/2019, I received a second letter from Capital Accounts reasserting that I owed the debt of {$460.00} along with notice that Capital Accounts has reported this delinquent debt to the credit agencies. 

On XXXX XX/XX/2019, i sent, via certified mail, a second notice of dispute and requested that Capital Accounts provide the information that I requested in my first letter as I do not believe that I owe this debt and reminded them that as of the XXXX of XXXX, I have not received a response to my original letter in the timeline outlined in the Fair Debt Collection Practices Act Section 1692g.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called chase and told them that my account has been stolen and my cards was lost, and as I tried to login the username and the password has changed, the email and phone number has changed as I told them they told me that my account has been closed and has no more account with them as its been restricted and they said that I will have no accesss to it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Hello, We previously had a credit card with XXXX XXXX in my wife 's name, 'XXXX '.  We had some difficulty and fell behind, then the account went to collections. We received a letter in XX/XX/XXXX from Radius Global Solutions LLC offering a settlement on behalf of XXXX XXXXXXXX for account ending in XXXX ( Ref # XXXX ). The original amount of debt is {$1900.00}, but they were offering a settlement in the amount of {$990.00} in 12 monthly payments of {$82.00}. We started making payments in XX/XX/XXXX. Since then we have made three payments and the fourth is currently in the mail. The letter stated at the end of this process they were going to provide a letter stating our debt has been resolved. We have not received any other communication from either Radius Global Solutions or XXXX XXXX since we started making payments. 

On XX/XX/XXXX we received a summons from XXXX XXXXXXXX XXXX XXXX. on behalf of XXXX XXXX ( XXXX # XXXX ). The Summons and Complaint is seeking the full {$1900.00} minus {$82.00}. Now we are confused. We have been making payments and the checks have been getting cashed or cleared for three months. The fourth payment is in the mail. Suddenly, we receive this summons. There is definitely something deceptive or unfair about this process, either from Radius Global Solutions LLC or XXXX XXXX. 

XXXX we tried to call XXXX XXXX, but was routed to XXXXXXXX XXXX XXXX  XXXX, and spoke to a representative from XXXX XXXX XXXX, 'XXXX ' on XX/XX/XXXX around XXXX for File number XXXX ( XXXX XXXX ) . We explained our situation and he said he could not provide any legal advice. We let 'XXXX ' know we would like to submit a complaint about this process and the treatment we are receiving. We also asked if maybe a complaint to the Consumer Financial Protection Bureau may be warranted as well, but 'XXXX ' could not give us any guidance on that. He said he would route our complaint to XXXX XXXX right away and he would get back to us on Monday, XX/XX/XXXX. He did not call so I tried to contact his office, but was placed on hold and then to a voicemail. I left a message and then went to the CFPB site to file this complaint. 

As a follow up to this, we are submitting our letter as well as a screen capture of the checks in the amount of {$82.00} being cleared by our bank. 

Ideally, we would like this summons and complaint to be cleared, and we would like to continue on the agreement and terms we are currently executing or the debt to be cleared by XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I tried to contact Experian with no luck, they make it very hard to speak with a live human being instead you get a automated thing that asks you select an option non of which transferring you to a person. 

I have unauthorized inquiries on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX an unknown person made unauthorized transactions from my checking account totaling $ XXXX.I notified Chase Bank which is the financial institution that I bank with and they stared a fraud investigation. Upon their investigation they claim that they could not find any evidence that any fraud took place and insinuated that I gave the unknown person my PIN number.My money was not refunded.I filed a police report however the investigation is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been sending extra principal only payments to the mortgage company without issues. NewRez assumed the loan from the previous servicer. I continued making my weekly extra principal only payments, but they are not being applied to the loan. I have asked for a reason via e-mail about the " Partial Payment Unapplied '' comment on my statement, but have received no answer. Trying to call the customer service line results in the phone ringing for 15 minutes during the time stated that service is available, then being disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I called Experian Credit and spoke to a rep on XX/XX/XXXX rep. The rep refused to give me his name and hungup. I also called back and spoke to another Rep name XXXX whom was really nice but he also refused to give me the name of the rep. He transfer me and someone came to the line and hungup. The rep was very rude and hung up on me. I tried to advised him that i keep sending in proof that the information that they have on file is not me and incorrect. I have sent them proof of where i live and my current name and they refused to correct the information on my report. My current name is XXXX XXXX XXXX and dob is XX/XX/XXXX my address is XXXX XXXX XXXX XXXX XXXX TN XXXX. They have incorrect and false information reporting on my credit report such as a name XXXX XXXX which is not me, nor have i ever used this name.XXXX is the city that i live in. They have a XXXX XXXX which is not me and inaccurate. My name is XXXX XXXX XXXX. They also have an incorrect address XXXX XXXX XXXX XXXX TN XXXX which is not my address and never have been my address, they refuse to remove this address. Its not even an address with that city and zip code in XXXX. I live at XXXX XXXX XXXX XXXX XXXX Tn XXXX. Which i have lived for 38 years, I have sent them a copy of my social security card and address and they still refused to correct and remove this off my credit report. which is inaccurate and incorrect.

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 2019-04-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
About 2 years ago had an cell phone account with XXXX XXXX XXXX and ended account because store personnel at the XXXX XXXX Store, XXXX, GA., made changes to account without my approval. Only ( myself ) person opening account could make any and all changes, which I did not approve or make. Notified XXXX XXXX store management and XXXX Headquarters of issue which they did not resolve. Account was closed, equipment returned and agreed amount from original contract was paid in full. XXXX submitted debt collection to credit reporting agency at which time I submitted a dispute to debt indicating XXXX made change to account without my approval. In XX/XX/2019 requested credit from XXXX XXXX XXXX, who requested a credit report from Experian. Upon receiving the report from Experian, they informed me of the dispute but was unable to see signed/verbal documentation submitted by collection agency, date dispute submitted or my information in support of my dispute.

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 2019-04-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
Our loan was initially through XXXX XXXX XXXX, opened XX/XX/XXXX. We made payments mostly on time for 6 years, 8 months. We knew there was no way we would be able to make XX/XX/XXXX payment, so we requested, and were granted deferment when we made XX/XX/XXXX payment. 
XX/XX/XXXX we were informed that our loan was sold to Planet Home Lending. Planet Home Lending refused our initial payment, as we were a month behind ( and they did not accept partial payment ). We informed them that we were given a deferment, and our account was current as of XXXX XX/XX/XXXX. They said they did not have to accept the deferment, and their records indicated that we were a month behind. We made arrangements to bring the account current, by making 4 payments, by the end of XX/XX/XXXX. Our final payment was scheduled for XXXX XX/XX/XXXX, and would have brought us current as of the end of the month. 
In XXXX, we were informed that on XXXX XX/XX/XXXX, our loan was sold by Planet Home Lending   to XXXX XXXX XXXX, which is a whole other complaint. We were told that there was no payment history with Planet Home Lending, and that we were in default, dating back to XX/XX/XXXX. We explained that we were in fact brought up to date whilst with Planet Home Lending. XXXX XXXX XXXX told us that we were going to have to get verification from Planet Home Lending. In numerous phone calls to Planet Home Lending, we've only been able to successfully get hold of someone once. The individual stated that they would send the proper documentation to XXXX XXXX XXXX, that day. We called XXXX XXXX XXXX, the following week, and were told that they had not received any documentation. In subsequent follow up calls, we are repeatedly disconnected.

Company response to consumer: Closed with explanation