vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an account now reporting with XXXX  XXXX  for a XXXX account showing that it opened in XX/XX/2018 and this is an aged account. There has been no service with XXXX in over 7 years. For whatever reason it keeps getting passed around and then reports new but the initial collections occurred over 7 years ago. This should not be listed.

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 2018-12-05 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: CA

Complaint narrative:
On Wednesday, XX/XX/XXXX I called Chas, my XXXX XXXX Visa Credit Card provider, and asked how to make a claim under their purchase protection benefit. On XX/XX/XXXX, I purchased three high school textbooks for my XXXX year old daughter because she transferred to a new school. All three books were damaged when a water bottle in her backpack broke. The Chase representative assured me the textbooks would be covered and instructed me to file a claim at XXXX. I immediately went to the website and filed the claim, including uploading all of the requested paperwork which included a copy of my credit card statement, copies of the three receipts and photographic evidence of the damage. The website even had " books '' as one of the catagories I could list as the type of item they cover and that I could make a claim on. After following up repeatedly on my claim since the insurance provider failed to " review my information and contact me within 5 business days to outline the next steps of the process, '' as outlined in an email I received acknowledging my claim submission, I called to complain. The representative said claims are not looked at by an examiner " for eight to ten days '' and then it would take " two days to actually review the claim. '' I responded that this information was contradictory to the information provided in writing in the email XXXX sent to me, and she said that she is not an adjuster and that is how it works. I then asked to speak with an adjuster and she agreed to connect me to one. I was then put on hold and when she returned, she said my file had " just been updated while I was on hold and that the claim was being denied because textbooks have finite lives and are undergo revision after courses end. '' I explained that my daughter 's course had not ended and that I was told specifically by Chase that my textbook purchases would be covered and was again told they were refusing my claim. '' By the time the call ended I received an email stating that my claim status had been updated and was being denied. I find this completely outrageous and borderline fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05 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: AL

Complaint narrative:
XX/XX/2018 I contacted Equifax via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: IN

Complaint narrative:
I reached out to the 3 credit reporting bureaus in regards to a collection account that is not mines and I have documentation showing it is not mines. I just want to get this removed because its reporting inaccurately.

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 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This complaint is against Procollect Incorporated collection agency. On XX/XX/XXXX I paid in full an account I had with them for the amount of {$1600.00}. When I called to pay my balance I was under the impression that it would be removed from my credit and it never was. It is affecting my credit score to this day because it keeps updating on my monthly credit report. I called Procollect on XX/XX/XXXX spoke to someone that told me it was not coming off of my credit report because I had disputed it with the credit bureaus. So I called the credit bureaus and asked them to remove the dispute so Procollect can update it and remove it from the credit report. They told me that the dispute had already dropped off because it had been over 30 days and there was no resolution. When I called Procollect back to inform them the dispute was removed I spoke to a different lady than the first time. She was being very rude as soon as she answered the phone she already knew my name. I told her I spoke to someone a week before and she said, " I know you already spoke someone about this on XX/XX/XXXX so what can we do for you now '' I asked her if they can update their records and remove this account from my credit report since the dispute was removed and she said that they don't delete accounts. So I told her the person I spoke to before told me it would be done and she just kept insisting that they don't do that and could give me no explanation of why the other lady said they would. When I tired to get their names they told me that information was irrelevant and then they hung up on me.

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 2018-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Onward Credit Holdings, LLC
State: KS

Complaint narrative:
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$200.00} from XXXX XXXX on XX/XX/2018 and another {$250.00} on XX/XX/2018 and another {$80.00} on XX/XX/2018 ( in total, {$530.00}. ) I have since repaid {$640.00}. I still have a balance remaining. I was unaware that the loan would have such a high interest rate. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. I previously submitted this complaint and no resolution was reached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: AL

Complaint narrative:
XX/XX/2018 I contacted TransUnion via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.

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 2018-12-05 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: WI

Complaint narrative:
We attempted to freeze online our credit reports with all 3 major credit agencies. But only XXXX   plays a fair game, making this action easy for me and for my wife. 
Equifax and XXXX sabotage our requests. And to add insult to injury, they forced us first to fill a long forms online, provide all individual information, SS # included, email, cell phone numbers, set up user names, passwords, PIN numbers. At the end they state that " at this time we are unable to process your request .... '' Phone calls are pointless waist of time as computerized program request same info again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
The company telephone Rep stated they would take my tax return for this year when I had debt protection that was never used I contacted USaa when I lost my job in reference to this matter and that I wouldnt be able to make the same payments of XXXX $ monthly due lost of employment and I purchased debt protection and I paid for debt protection and they did not apply it to my account the car was hit by a school bus while parked and the claim inspector was coming out to inspect the car and I explain that to usaa and I asked will the car be repossessed because my debt protection still has not been applied to my account the agent stated no if it was in accident and needs to be look by a inspector that it wouldnt be respossesed and the day the inspector came the car was gone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been contacting Citi Bank in regards to my Preferred Master card account ending in XXXX to resolve simple issue related to my online access. Citibank customer resolution department and other related departments were unable to assist me or resolve issue with my online account due to unprofessional customer service team. My account has been enrolled into Debt Management program since XX/XX/XXXX. I contacted Citibank numerous times and spoke a few different service representatives from different departments including customer service, collections, customer resolution, and online support departments to resolve issue with my online account access. For some reason, Citibank collection department placed a hold on my account to view my online billing statements and the only way I can view my billing statements to receive them by mail. 
I spoke to Citibank on XX/XX/XXXX, and XX/XX/XXXX and prior times about my account. Their customer service, including XXXX department located in XXXX and their representatives are very unprofessional, rude, and lack of knowledge. I spent over one hour to speak to them and I was unable to resolve the above issue. The last supervisor from XXXX department located in XXXX named XXXX advised me since account is closed and set up into repayment program, I will not have access to my online billing statements and the only way to view my statements by contacting them and request them to be mailed to my address. This is absolutely unacceptable. I have a balance on my account and I still have access to my online account since that and I'm only able to view my balance and make my payments online. However, I'm unable to view my online billing statements. Online support department advised me that collection department placed a hold on my account and my account is past due. Regardless the status of my account, I will need to have access to my account online. All my attempts to resolve this issue and other issues related to my account were unsuccessful.

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 2018-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On Friday XX/XX/18 I responded to an ad advertising basketball tickets. The seller used these two phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. He said his name was XXXX XXXX and his email was XXXX.We agreed upon sending the payment via XXXX through my bank XXXX XXXX XXXX. The first name on the receiving account was XXXX. As soon as I sent the {$300.00} we had agreed upon for the tickets, he stopped responding to my calls and emails. I have submitted a claim with my bank and am trying to recover my lost money, as no merchandise was ever exchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
i was a victom of fraud and there is a bankruptcy listed on my equifax credit report that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: IN

Complaint narrative:
I reached out to the 3 credit reporting bureaus in regards to a collection account that is not mines and I have documentation showing it is not mines. I just want to get this removed because its reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: IN

Complaint narrative:
I reached out to the 3 credit reporting bureaus in regards to a collection account that is not mines and I have documentation showing it is not mines. I just want to get this removed because its reporting inaccurately.

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 2018-12-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have an address that is showing that is not my address ... nor have I ever lived at this address .... of XXXX XXXX XXXX XXXX XXXX nc XXXX. although this is what is showing on my credit report ... .. my real address that I have been at since XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ... .. please update this asap. 

XXXX XXXX dob. XX/XX/XXXX. XXXX social having difficulty getting this information to you to be updated.

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 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
this company tried to contact me at my old contact information - I never received any calls or mails from them. They then added the item to my credit report without giving me the ability to dispute the charge. i did not owe XXXX XXXX for that amount of money since I had stopped services and they continued to charge me. 

I would of disputed the charge. However - I paid it off just to get it removed off my credit even though it was invalid. This agency did not work with me to remove this off my credit report and being able to dispute the charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
My homeowners insurance was due on XXXX, I received a bill from the insurance company on XX/XX/XXXX saying it was still due. So I called Fifth Third Bank to find out what was going on. Well they sent the check to someplace in Missouri not affiliated with my insurance which is XXXX, located in XXXX, MI which is clearly stated on the bill. To make a long story short they assured me they would reissue the check. On XX/XX/XXXX I decided I had better call the insurance company to find out if they had received the payment, they had not. So I TRIED calling several times over several days to get ahold of someone at Fifth Third, always put on hold, twice up to 40 minutes. Noone will answer, so frustrated I went to the local Fifth Third branch in XXXX, IN where I live and talked to the branch manager, XXXX XXXX, who after trying herself to reach someone was not able to do so. She looked me in the eye and swore she would call me back that same day, not tomorrow not next week, that day, and she would not go home until it was resolved, hahaha!!! It is now XX/XX/XXXX, I just got off the phone with my insurance company and the bill still has not been payed, so I made a partial payment so as not to get cancelled by the insurance company ( {$210.00} ) I am at my wits end, I have done everything, I pay my bills on time and for them not to answer the phone and lie straight to my face and not even call me back, I mean what am I supposed to do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I submitted a check in the amount of {$160.00} to the Georgia Student Finance Commission for two of my Student Loans on XX/XX/2018. Check Number XXXX that is directly affiliated to my XXXX XXXX Checking Account. The XXXX XXXX Resolution team is also Researching this matter. ( Conf. # XXXX ) I called The Georgia Student Finance Commission when I received an alert from the Credit Bureaus that my accounts were past due. I have kept my Accounts in Good Standings for over 4 Years. I don't believe in coincidences but base on my research, whenever I have mailed my payment to the Georgia Student Finance Commission there has always been a problem with the processing of the check submitted. There has never been a problem when I have called in my payment. I have a great relationship with the Georgia Student Finance Commission and I would like for that to continue. I am sure that this problem can and will be resolved. I will call in my payments from now on or set up Automatic Drafts from my Bank Account.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have an address that is showing that is not my address ... nor have I ever lived at this address .... of XXXX XXXX XXXX XXXX XXXX nc XXXX. although this is what is showing on my credit report ... .. my real address that I have been at since XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ... .. please update this asap. 

XXXX XXXX dob. XX/XX/XXXX. XXXX social having difficulty getting this information to you to be updated.

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 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Sent creditor multiple letters and they never respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 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: WI

Complaint narrative:
We attempted to freeze online our credit reports with all 3 major credit agencies. But only XXXX plays a fair game, making this action easy for me and for my wife. 
XXXX and Experian sabotage our requests. And to add insult to injury, they forced us first to fill a long forms online, provide all individual information, SS # included, email, cell phone numbers, set up user names, passwords, PIN numbers. At the end they state that " at this time we are unable to process your request .... '' Phone calls are pointless waist of time as computerized program request same info again.

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