vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i applied for couple credit cards to see if it actually hits my credit and it did even having a freeze on credit and i called them to see how where they able to pull they said you didnot had a phone number to call so we allowed to pull them well they just have to block 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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
CFPB : receive monthly social security check and pay bills monthly, however never received bill from barclay card for XX/XX/XXXX but I have received several this week saying credit account is delinquent, The state will be forward to you via US mail. 

we are concern because you recent ruled with a matter with XXXX XXXX   where I was the beneficiary of wife 's account and your tried to rule in favor of no custodial party which we have seen quite often with the ruling authority.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My XX/XX/2018 bill indicated a balance of {$510.00}, due XX/XX/18, which I paid in full on XX/XX/18. Today, I received a bill for {$1.00}, due XX/XX/18. I paid it immediately, and then called XXXX to find out why I was charged more even though I'd paid the balance well before the due date, and there was no information on that bill which indicated anything about " residual interest ''. According to their " fine print '', there is no indication of charging a " residual '' interest rate. This had never happened before with this credit card company. I was told by XXXX that it was a " residual '' interest. Her explanation of that was insufficient, so I asked to speak with her supervisor. XXXX told me basically the same thing, but it still didn't seem like transparency was being used in their billing processes. I'm filing this complaint so other people who might have once trusted Citi, have a reason to do so no longer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: NC

Complaint narrative:
In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent 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 explanation
Consumer complaint received 2018-10-16 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: NC

Complaint narrative:
In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: NC

Complaint narrative:
In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent 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 non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have an American Express Serve prepaid card. I have direct deposits made on a regular basis. Four recent deposits have failed to show up on my balance even after the payment was processed by the issuer. I called their customer service number, but the call was not picked up after being on hold for over thirty minutes. 
I found out from XXXX and other social media that thousands of people have been waiting for direct deposits from this and the Bluebird card ( also issued by Amex in conjunction with XXXX  ). I am broke and desperate for answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: AMCOL Systems, Inc.
State: TX

Complaint narrative:
Back in XX/XX/2017 I went to an urgent care facility, and used my insurance. 

I got a bill/credit notice in the mail for $ XXXX saying that was my portion due. Well, according to my insurance company ( XXXX  ), I shouldn't have any outstanding balance as I was covered. 

When I called Amcol about the amount that hit my credit report they told me it was an unpaid hospital bill. Once I pulled the information out of them of who the original creditor was, I called their billing department and they were less than helpful. 

They said it doesn't matter what XXXX paid, that I was still responsible for the remaining balance. When I asked them to hold so that I could three-way my insurance company on the phone so that we could all get on the same page she told me she wouldn't be placed on hold and would hang up if I tried to do so. 

This amount being reported is INCORRECT, as my insurance has already paid their portion and I shouldn't be subject to pay anything additionally. 

Since this was an urgent care visit they informed me that the hospital bill was paid but that it was actually the physician who I still owed money too. So essentially it's 2 separate bills. The one that Amocol is reporting however is the hospital bill under " XXXX XXXX XXXX '' and that one is  actually paid according to everyone 's standards. 

I'm just asking that this be removed from my credit. I have an EOB from XXXX stating that my portion in this matter is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
IRS Phone scam. Victim was told police would be coming to her house, she got scared and followed instructions to send {$500.00} via Western Union to XXXX.I have yet to contact Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
i applied for couple credit cards to see if it actually hits my credit and it did even having a freeze on credit and i called them to see how where they able to pull they said you didnot had a phone number to call so we allowed to pull them well they just have to block it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: GA

Complaint narrative:
i applied for couple credit cards to see if it actually hits my credit and it did even having a freeze on credit and i called them to see how where they able to pull they said you didnot had a phone number to call so we allowed to pull them well they just have to block 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 2018-10-16 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Hello, 1 ) I had bank accounts in XXXX XXXX XXXX and XXXX, then i have sold my bitcoins ( on XXXX ), but buyer committed a fraud and paid with stolen cards. 
2 ) Banks returned money to owners, but bitcoins were stolen. I've lost XXXX {$3.00} ) XXXX  XXXX XXXX closed my accounts and sent report to ChexSystems. 

XXXX  XXXX XXXX didn't request any information about transactions and didn't do any investigation. 
Late on XX/XX/2018 I opened a complaint against XXXX XXXX XXXX ( XXXX ) but it repeated situation - did nothing and didn't contacted me except one call notified me about case when I said I can provide all documents to prove I'm clean. 

Now I want to open a case against ChexSystems ( www.chexsystems.com ) so at least they will do investigation if XXXX  XXXX XXXX have no resources to do that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, XXXX  and Transunion are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed Transunion, XXXX and XXXX reporting for Account Number : XXXXXXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus.

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX  pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to Equifax, XXXX and XXXX  are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, XXXX  and Equifax reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus.

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: CA

Complaint narrative:
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, Experian and XXXX are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, Experian and XXXX reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus.

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was alarmed once I reviewed my XXXX, XXXX  and XXXX  credit reports and found that I was reported as having a late payment on the date below on my Best Buy credit card : 60 days past due as of XX/XX/2014 30  days past due as of XX/XX/2014 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on 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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I get paid biweekly and my direct deposit isnt appearing in my account. I havent gotten a email from American Express stating theyre having problems with anything so I dont know whats going on. Ive called 9 time. Ive called the number I have saved in my phone for them, one number I called that I found online and the other number was off of the card I have. I put in all the information needed to speak to someone and after all that 9 Times it just beeps as if a line was disconnected everytime! I even go on this website XXXX XXXX XXXX and theyre were other people on this same site live commenting on the same issue Im having. My deposit normally on my card buy 12 ish its not 30 mins before 3 and I still havent received my check. Ive been backing with them since my senior year in high school, so about 2-3 years now and this is first! I have proof of times and dates if needed for this case I have them all ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Closed checking account at J.P Morgan Chase Bank in XX/XX/XXXX. Chase seized my Social Security XXXX funds from this account to pay off another charged off account. No written accounting was ever provided to me informing me of the bank 's intentions, nor even evidence of the bank 's internal seizure actions as detailed on closed account statement runs I obtained by visiting the branch personally. 

This is an improper seizure as Social Security is not to be used to pay off any other shorted account besides the one in which it is deposited. No income other than Social Security was deposited into this account since XX/XX/XXXX. 

The charged off account for which my Social Security funds were improperly seized did have the same account number ; however, every single one of perhaps as many as 10 different Chase personnel with whom I spoke, either at the company 's branches or its customer service phone numbers, insist that two different distinct accounts existed. 

The first was closed in XX/XX/XXXX. The second ( the closed account where funds were improperly seized ) was opened in XX/XX/XXXX at Chase 's sole discretion. I have the bank statements showing the closure of the first account and the opening of the second. Moreover, no collection attempts other than the improper seizure have been made. 

The seizure comes at a particularly difficult time for me health wise. None of my phone calls or visits has addressed my concerns. An attorney also wrote a demand letter on my behalf for which no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
All customers that have direct deposit with American Express Personal Savings, Bluebird, and Serve accounts are unable to get their money. We were told that it was something that would be handled in a couple of hours, then by the end of the day, then next day and now it has become a couple of days. People are unable to pay bills, get food, and pay for life saving medication. American Express has yet to explain what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made a money transfer from my pay roll EFS card to my American Express Bluebird card as I have previously done. I made and transfer of {$11.00} on Thursday that posted on XX/XX/18. On XX/XX/18 I made a transfer of {$570.00} that should have posted on XX/XX/18 but it did not. It still has not as of XX/XX/18. American Express tells me that do not see the transaction but assures me it will be posted to the account once the technical error is corrected in there system. It went from will be deposited in 24 hours to 12 hours to I am still waiting. According to reps I am another the only one. I  have found many complaint posts and the call wait time is always over 10 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: OR

Complaint narrative:
Prosper offered a personal credit for consolidating some of my credit accounts with a lower interest rate, Prosper said this would not affect my credit score, Prospers inquiry showed up as a hard inquiry and has affected my credit score negatively. I did not use the Prosper loan because further into the loan application it showed an undisclosed fee of {$500.00} to obtain the loan. I cancelled any transaction with Prosper.

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