vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 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: CT

Complaint narrative:
Around XX/XX/17 Equifax investigated and deleted five errors from my credit report with them. To date they either have not or will not report these deleted items to the two other credit reporting as I believe is required by law under the FCRA.
I need to have these errors deleted from all three CRA, s as I intend to apply for a mortgage shortly Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Basically I called the credit company, and they gave me the run around, about what actions and processes had to be done. Did not help whatsoever, made it sound like they were reading the response from a script. Was not satisfied and did not get my problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
I took this loan out in an emergency basis for XXXX. I have been making payment of XXXX every two weeks since XXXX. I have paid them XXXX back and I am struggling to pay the rest. I called to see if I could try to pay early and negotiate a price and they stated if I 'd like to pay off early it would be XXXX. That 's still more than I initially borrowed plus the XXXX I 've already paid them. I can no longer pay my bills with almost XXXX going to them. I 'm desperate for help with this predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Basically I called the credit company, and they gave me the run around, about what actions and processes had to be done. Did not help whatsoever, made it sound like they were reading the response from a script. Was not satisfied and did not get my problem resolved.

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 2017-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Collector has been calling my mobile device without pause. Within 15 minutes there is already a cue of over 20 missed calls on my phone. My phone continues to ring ( adding at least two more calls to the previous number ) since I 've began typing this complaint with no indication of ceasing. The call comes from number, 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 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Sarma
State: FL

Complaint narrative:
I NEVER lived in South Carolina, nor do I know anyone at the address that appeared on my credit report. I do n't even know where this place is, nor have I ever traveled there. How did it get on my credit report as one of my addresses? Also, XXXX XXXX, 2016 ( about the time I noticed a South Carolina address on my credit report ) some company from Texas pulled my credit WITHOUT my permission, nor do I know what they are. It states on my credit report SARMA for XXXX XXXX. Please investigate both of these items and remove them asap.

In addition, XXXX XXXX XXXX is reporting two unpaid medical debts for my XXXX XXXX year old son on MY credit report! Please get this removed from my report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Around XX/XX/17 XXXX investigated and deleted five errors from my credit report with them. To date they either have not or will not report these deleted items to the two other credit reporting as I believe is required by law under the FCRA. 
I need to have these errors deleted from all three CRA, s as I intend to apply for a mortgage shortly Thank you

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 2017-11-21 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: CT

Complaint narrative:
Around XX/XX/17 XXXX investigated and deleted five errors from my credit report with them. To date they either have not or will not report these deleted items to the two other credit reporting as I believe is required by law under the FCRA.
I need to have these errors deleted from all three CRA, s as I intend to apply for a mortgage shortly Thank you

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 2017-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I made a {$500.00} payment to Capital One. On XX/XX/XXXX I made a {$1000.00} payment to Capital One. My online account shows {$1000.00} payment on XX/XX/XXXX which does n't make sense. My {$500.00} payment never showed up online. I called customer service several times on XX/XX/XXXX. I was disconnected several times and finally got through after holding 41 minutes. Customer service acknowledged my {$500.00} payment and said it should show up the next day online. I asked about the balance - I track my balance constantly and know the {$500.00} was not applied to my balance. She said it was applied and the balance showing online is correct. I do n't think so. I was very unsatisfied with the customer service. The next day or even today XX/XX/XXXX - my {$500.00} payment does n't show and my balance has n't been adjusted. I did contact customer service again via online on XX/XX/XXXX. I got the same response. They acknowledge my {$500.00} payment but did not apply it to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: IL

Complaint narrative:
XXXX this is my prior complaint. 
1.XXXX has unecessarily enclosed 62 pages of private material only to further intimidate its customer. 
2. XXXX has NEVER responded to the letter sent to XXXX XXXX XXXX ( XXXX headquarters ). Why not? XXXX did not allow the customer to sent an email and/or fax and forced the customer to write a letter. 
3.XXXX has stated not to care per XXXX ( badge # XXXX ) American Express supervisor North Carolina XX/XX/XXXX at XXXX XXXX EST. " '' you can send all the letters you want but we wo n't give you any answer ''. This can be found on a recorded tape. 
4. XXXX has been called several times in XX/XX/XXXX and XX/XX/XXXX regarding the letter sent and each and every time customer was told to wait for an answer and to WAIT WITH PAYING THE FINAL BILL. 
5. XXXX has still charged 2 late fees in contradiction with # 4. 
6. Customer called XXXX to finally resolve this on XX/XX/XXXX and offered to pay off the WHOLE outstanding amount adjusted for the 2 late fees. This would be XXXX 7.  Whenever using XXXX chat there is no way to print the conversation. I have asked XXXX ( for ex. yesterday ) to sent me the transcript and/or provide some way to properly document the conversation. All XXXX states : '' we apologize but we cant do this ''. Why not? 
8. XXXX needs to stop lying : stating it credited {$820.00} is not true. XXXX is merely a payment venue with debits and credits going through its payment system. XXXX NEVER gave its customer {$820.00} from XXXX to its customer. XXXX is manipulating the facts as it is well aware that these credits are from 3rd party merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: FL

Complaint narrative:
I received a mail-in offer from Citi Bank promising a {$300.00} cash bonus if I opened a Citi Priority Checking Account. The qualifying activities required to receive the bonus were ( 1 ) make {$750.00} worth of purchases on the debit card, and ( 2 ) make 1 or more bill payments for 2 consecutive calendar months. I completed these activities and I have not received the cash bonus.
Attempts to resolve this issue with Citi Bank customer support : XX/XX/XXXX Spoke with XXXX + Supervisor @ XXXX Details : During the call XXXX XXXX filed an investigation, they also directed me to mail a letter to their HQ at XXXX XXXX XXXX , XXXX XXXX TX . Later I received a letter stating that the claim was denied. 

XX/XX/XXXX Spoke with XXXX Confirmation # : XXXX Details : During the call a second investigation was filed. Later I received a letter stating that the claim was denied because the offer was not attached to my account. 

XX/XX/XXXX Spoke XXXX Confirmation # : XXXX Details : No further resources left, claim is still denied. No payout of the promised {$300.00} cash bonus.

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 2017-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was one of their customers who was affected by Hurricane Irma. XXXX XXXX did assist us by removing the amounts due and waiving some fees, which I was extremely grateful. Now, as we move bank into the fold of things, my XXXX 's XXXX is having some issues and when I called and spoke to XXXX, she advised that she would send the matter to her manager. It has been a week later and the problem still exists. 

I found our that XXXX removed the XX/XX/XXXX and XX/XX/XXXX 's payments that were due and credit reporting would cease during this time. No fees would be assessed. I would receive statements saying nothing was due and the ones that showed due, would not needed to be paid. I got this information from other representatives I spoke to with other XXXX store cards. 

I got a statement showing {$27.00} was due on XXXX XXXX, 2017. I did n't think anything of it because the website showed XXXX due the entire time. I began to worry when I started getting emails that my account was past due. It showed {$0.00} past due and to pay that amount. It made no sense. I finally got a chance to call and XXXX said that yes, I should n't have received them, etc etc. 

I am still getting notices and the website has a disclaimer at the bottom advising ; Alert : If you 're facing financial challenges, may be able to help. Please call our Customer Care team at XXXX. Again, it shows nothing due. I have screen shots and statements of everything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
CHASE CREDIT CARD 'S FAILED TO DISCHARGE ACCOUNT THAT WAS PART OF A SCAM AND FRAUD INDUCED WIRE TRANSFERS FROM CHASEXXXX XXXX XXXXXXXX AND XXXX. 

IN XXXX CHASE TRYING TO COVER UP DECIDED TO DISCHARGE DEBT AND SENT ME A 1099-C ( CANCELLATION OF DEBT IN AMOUNT OF {$29000.00}. WHEN I DISPUTED THE ENTIRE MATTER AGAIN COVER UP AND IN XXXX ISSUED ANOTHER 1099-C WHICH Cused a problem with the IRS IN XXXX AND WHERE THEY DETERMINED OUR I.D THEFT FRAUD FROM XXXX. FINALLY, XXXX IS BLOCKING ALL CHASE ACCOUNT SINCE XXXX. 

THESE ACTS ARE ALL VIOLATION OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I am writing because we were late on are loan and this company started harassing an telling family members they were going to come looking for us and they have been trying to get a hold of us for months. we have never been 30 days past due with this company. Yes we have been late. I actual called do n't know for sure the name but number is XXXX ext XXXX. I told him this was totally uncalled for, that he was lying to family members and I will be making a payment 1st thing in the morning, his response was he would disconnect the call if I did n't verify who I he was talking to. Even thought he returned by call and said am I speaking to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
My wife and I are seeking assistance in regards to a potential short sale that we have attempted to complete with our lender SPS. We initially reached out to them on XXXX XXXX, XXXX seeking assistance and were advised that they had placed a sale date on the file for XXXX/XXXX/XXXX. We immediately advised our contact at the lender that we had a buyer whom was willing to purchase the property for fair market value per their most recent interior BPO assessment of the property. We worked together on submitting a complete short sale package with all financials, addendum 's, forms and contracts needed in order to complete a short sale review but were subsequently denied. We are asking that allow for the review to go through as we do not wish to have a foreclosure on our record. Our family has gone through enough hardship and this is something that will potentially break us apart. All we are asking for is a chance to review the offer presented as it meets investor requirements. Please help us obtain postponement in order to allow enough time to complete a short sale review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
Account : ARS Account Balance : XXXX Date : XXXX XXXX XXXX. This account is not mine continues to send letters Account : ARE Account Balance : XXXX Date : XXXX XXXX. This account is also not mines

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 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. My ID and wallet was stolen and several accounts were opened in my name. I have never had service or done business with XXXX or any of XXXX 's subsidiary companies. I contacted XXXX and the address they had service is not an address I have lived, worked or had any association with. I have filed a police report with the XXXX police department. The report number is XXXX I have attached letters from other creditors showing their investigations and the results of the investigations. I have also attached a copy of my photo ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am a XXXX XXXX XXXX XXXX single mom on a fixed income. I have two checking accounts due to various deposits, but usually move all money to one or the other for the convenience of my son who helps me with driving/groceries. I check the balance of the both accounts twice a day, once in the morning and once minutes before XXXX the cutoff for Bank of America running through charges, according to their representatives. On multiple occasions now, I have checked at XXXX to find a positive XXXX dollar balance in the empty account only to open it up the following morning ( approx 12 hours later ) to find multiple charges run through along with overdraft fees for each item of {$35.00} a pop. This certainly does not provide for me the 24 hours or a single business day that Bank of America says they provide to cover overdrafts with transfers or deposits. When attempting to contact the bank about the matter, I 'm told the amounts must have been " processing '' and I simply could not see them. I state I can see " pending '' transactions and they were not there at XXXX and some seconds. They state they must have been " floating '' out there. That still does not provide me the business day to cover the overdraft. In the past month, Bank of America has charged me in {$350.00} in fees in this manner. This certainly feels illegal, and certainly unfair business practices, and I would like for it to be investigated.

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 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX  and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
This morning, XXXX XXXX XXXX, I received a notice that my credit was lowered due to an outstanding debt. That was strange because I have been diligently paying all bills. 

On XXXX, I see this erroneous debt of {$200.00} being collected by " DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX '' dating on to XXXX XXXX, XXXX on behalf of XXXX XXXX 

However, all of my bills for XXXX have been paid on time and in full. I contacted XXXX XXXX XXXX to make sure I have no late payment. I have 0 $ balance, my account is in good standing. I checked my XXXX billing statement and I have a payment confirmation for XXXX See attached document. Needless to say I was never contacted by " DIVERSIFIED CONSULTANT '' by phone or mail regarding this debt. 

I am currently applying for a US Gov't Clearance. This report will negatively effect my Clearance and employment status. I will pursue criminal charges against " DIVERSIFIED CONSULTANT '' to the fullest extent of the law. 

There are many matching complaints online from others victimized by this company. 

Thank you for removing this false claim immediately. 
Best regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 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: NCB Management Services Inc.
State: OH

Complaint narrative:
NCB Management is reporting on my credit report, they misrepresented the character /legal status of the debt, they ruined my credit rating, used unfair means to collect the debt including calling me at work when asked not to, until I felt I had to pay it to stop them from harassing me. I paid the debt through XXXX XXXX XXXX. They are still reporting on my credit reports as a paid collection which is still ruining my credit rating. They are not even the original owners of the debt and have no contract bearing my signature, therefore has no right to report anything on my credit reports. They violated the FDCPA when they harassed me by calling me at work and home on a routine basis until XXXX XXXX XXXX got involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Procollect does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation