vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Mn. Is trying to say I still owe on something u filed a Bankruptcy over for XXXX. they have tried to reage the account to XX/XX/XXXX when in fact they 've had it since XX/XX/XXXX. When I filed against XXXX back then it was filed against XXXX XXXX.XXXX IL.XXXX now their trying to stick me with it reaged. The credit bureaus do n't believe me even though I 've offered proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX. XXXX calls me almost every day and have been calling me for over 3 months. They call from a different number each time. I told them from the first call, not to call me agai, that I am XXXX, unemployed, my husband has XXXX, we lost our home and everything we had and can not pay a credit card but they refuse to stop harassing me. They are rude, hateful and tell me they wo n't stop calling me. This is my cell phone number they call.

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 2017-06-29 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I referred a family member to AmEx but did not receive the referral bonus when that person opened a new American Express credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hi. I have a few unresolved issues with Chase that customer service has not been able to address. <P/>1. I referred 3 family members who ended up getting the Chase XXXX XXXX credit cards but I did not get the referral rewards for them. <P/>2. I have a XXXX card offered by Chase. Recently chase sent me a letter saying this card would be converted to a Chase XXXX preferred card. I already have the XXXX XXXX card and have no need for the preferred. I 'd also be going from a no-annual fee card to one with an annual fee and finally, I did not get my signup rewards for the XXXX card. <P/>3. I have submitted an application for my JP Morgan XXXX card but have not yet received a response ... either approval or denial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This complaint is about XXXX XXXX XXXX and SW Credit Systems, XXXX 's false allegation that I owe {$66.00} to XXXX, XXXX 's false communication to a debt collection company ( SW Credit Systems, XXXX, TX ) that I owe {$66.00} to XXXX, the resulting negative report that SW Credit Systems made to a credit reporting agency ( which had a negative impact on my credit score ), and SW Credit Systems ' negligent failure to validate that I actually owed anything to XXXX. <P/>Here 's the backstory : 1. I opened an internet service account with XXXX in XXXX 2015. The service was to my home at the address listed at the end of this complaint. <P/>2. From that date I timely paid my monthly subscription fee to XXXX by direct debit for about one year, after which XXXX terminated my service for failure to pay an alleged debt of {$66.00}. <P/>3. At some point in between XXXX 2015 and the service termination date, XXXX unilaterally raised my monthly subscription fee. I was unaware of that unilateral action, and XXXX did not obtain my agreement to it. <P/>4. Instead, XXXX continued to accept my monthly direct debit payment for the amount that we had agreed in XXXX 2015. And each month XXXX added to my alleged " debt '' the difference between what I paid and the increased subscription fee. That continued until the unpaid balance of the unpaid " debt '' reached {$66.00}, after which XXXX terminated my service and turned the " debt '' over to SW Credit Systems for collection. <P/>5. After my service termination, I contacted XXXX and learned what had happened ( i.e., the events described above ). I disputed the charge and was told that it would be investigated. I never heard back from XXXX. <P/>6. Instead, I was contacted by SW Credit Systems. I of course refused to pay, and explained to them what had happened. They filed a negative report with a credit bureau about the unpaid " debt, '' and refused to remove it when I contacted them and again explained what had happened. <P/>7. Today I again contacted XXXX and spoke to several customer service representatives, all of whom failed to make any progress in removing the negative report from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: TX

Complaint narrative:
On XX/XX/XXXX, 2017, I sent a certified letter to Experian demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file for the disputed account they claimed were verified. I am positive that Experian is not in compliance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) because there is no way the accounts came back verified for ME because they do n't belong to me. Instead of honoring my request Experian sent me a letter stating that they will not reinvestigate due to previous dispute or unless I provided new information. I do not believe my letter was read because I was requesting proof the accounts were verified. I have also requested many times by letter and over the phone to have a name that does not belong to me removed Experian fail to do this my last name is XXXX not XXXX no other credit bureau is publishing this incorrect last name. I need the name removed.

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 2017-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was speaking with the XXXX XXXX, extension XXXX, on X/XX/2017 to review a call I had with customer service to close the account. <P/>I said that I was never told about in interest charge that I would be charged after closing my account. <P/>I waited almost 40 days for a call back from XXXX. In that time, I left her 4 voicemails. <P/>She finally called back today, and confirmed that she was on vacation but did not set any kind of vacation away message on her voicemail because a colleague was supposed to check her voicemail but never did. <P/>In that 40 days, I got a negative posting on my credit, waiting for a call back from someone who left for vacation. <P/>I was never advised to pay off a balance while waiting for a call back or anything like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: Early Warning Services, LLC
State: NY

Complaint narrative:
On X/XX/2017, XXXX was contacted regarding information being reported on my consumer report from Early Warning Services. They responded back to the investigation request stating that they have documentation verifying the information reported is accurate. However, according to the information submitted by me as part of the investigation request, as well as documentation submitted by EWS, and also public records including credit reporting information, the information being reported is clearly inaccurate. They refuse to remove the record or cease reporting the inaccurate information related to account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been trying to get something removed from my credit file. There is fraud going with  XXXX    XXXX    and  XXXX . I have a Federal Trade Commission report now Equifax say I need a police report. from  XXXX     2016 p resent. I have place alerts and freezes. Spoke with  XXXX   XXXX  Fraud department but it still is coming through with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We requested a payout statement from Citimortgage to pay off our mortgage. It arrived with interest showing fromXX/XX/XXXX thru XX/XX/XXXX. We paid our XX/XX/XXXX, payment and felt that closing interest should be from XX/XX/XXXX thru XX/XX/XXXX. Our XX/XX/XXXX payment was sent XX/XX/XXXX, received by lender XX/XX/XXXX and cleared our bank XX/XX/XXXX. Now, I am being told that closing interest is correct because interest is paid in arrears. In all the years and numerous statements we have received, NEVER has interest payment been SHOWN to be paid IN ARREARS. Statement is n't showing principal payment for one month and interest payment for a previous month. This all seems to be a rather DECEPTIVE PRACTICE. Citi purchased our loan from our original lender. We ca n't recall seeing any paperwork from Citi spelling out that the interest on our loan is in arrears. Statements do n't show principal payment for one month and interest payment for previous month. It is n't spelled out on the statement that way. DECEPTIVE, DECEPTIVE, DECEPTIVE!!!

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 2017-06-29 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I currently spread my spending between 2-3 premium credit cards from competing issuers. It 's no secret that American Express has the best premium card in the business but when I called to apply for the centurion card, I was told it was not possible.
<P/>
On an unrelated not, I applied and was approved for a business card recently but the person on the phone who verified my application and approved it said he did not see the promotional offer which had prompted me to apply in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: Ditech Financial LLC
State: MD

Complaint narrative:
This account was attached to an old property address of XXXX XXXX XXXX, XXXX, DE XXXX. This property went into foreclosure in the year of XX/XX/XXXX and XXXX owned this loan. At the time of the foreclosure, my ex-husband, was responsible for this account which then was owned by XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged inXX/XX/XXXX. Since I was the co-signer on this account, it is showing still active on my credit report. I have spoken with the previous representatives of the owners of this account which led to them agreeing to remove this account from the delinquent status and list it as a " charge-off ''. I requested for a letter to be sent to me to verity when this was complete, but to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX at Midland Credit Management , Inc. has called repeatedly to my workplace and is being rude to my fellow employees. He may cost me my job by telling the person who answers the phone who he is and who he is with. I 've had two fellow employees send me messages that " XXXX with the Debt Collector called again and was rude to me. '' Would you please call him back and pay your debt. <P/>He is harassing me and continues to call after I have notified them in writing to no longer contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: NY

Complaint narrative:
After completing the loan rehab program with XXXX XXXX for 2 loans, my loans were transferred back to the Dept. of Education and Great Lakes Services started handling the loan so payments were made to Great Lakes as of XX/XX/XXXX. However, XXXX did not report the correct orig. principal AMOUNT and the FIXED INTEREST RATE on said loans. Additionally, Great Lakes created a new payment schedule on XX/XX/XXXX, at which time they failed to include the payments made on this loan to both XXXX XXXX and all payments made to Great Lakes during XX/XX/XXXX through XX/XX/XXXX, they calculated the payments based on a higher interest rate and a higher ( wrong ) balance due. I advised them of their mistake on several occasions and followed up to see if they corrected same, I also requested verification of the debt and the docs that XXXX provided when the loans were transferred, all to no avail. Great Lakes has removed all info re the payment history, loan history, and other important info from their website, and essentially restarted the loan and repayment plan with inflated figures - they basically inflated the numbers to increase their income and the life of the loan. Additionally, my credit score has been negatively impacted by Great Lakes mishandling of my loans and as a result of reporting the wrong information to the credit bureaus, i have been negatively impacted financially in a way that is not quantifiable, as I have been denied loans, assigned much higher interest rates for loans and credit cards, I have been overlooked for apartments due to the purported high balance due on my student loans - you ca n't begin to put a dollar amount on the negative impact this has had on my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: AR

Complaint narrative:
This was to be removed from credit file due to the case being dismissed also courts has confirmed this should be removed.I even called on 3 way with the Bankruptcy courts on the line this should be deleted from credit public records file. <P/>Reference Number XXXX Date Filed Reported on XXXX XXXX, 2014 Classification Bankruptcy

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 2017-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have never in my life did business with Capital One when looking at my credit report I noticed they were on there I am a victim of identity theft I did put a dispute with my credit bureaus about Capital One is a fraudulent account I did contact Capital One and they said they will note it on their account and erase it on file and contact my credit bureaus to delete it and they still have not done so please have them deleted from my credit report there has never been any type of business between me and them please have them stop playing with my credit report adding things on there and not listening to my consumer rights. they have been rude and do n't want to listen to anything I have to say I 've never done business with this company in my please remove my information that was falsely given to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
There are two XXXX XXXX XXXX accounts on my credit report that do not belong to me. The first  account has an account number of " XXXX '' and a balance of {$5600.00}. The second account has an account number of " XXXX '' and a balance of {$4600.00}. <P/>Experian is the only credit agency who is reporting these accounts on my credit and they are refusing to remove them saying that they have been verified to belong to me. I do n't understand how this is even possible. In the past, XXXX was also reporting these two accounts and when they conducted an investigation, they were promptly removed after it was verified that they did NOT belong to me. How can Experian and XXXX come back with two different results for the same dispute and investigation? I have already called XXXX XXXX XXXX and they have confirmed to me that there are no records that match my personal information! I do not believe that Experian is processing my disputes properly and I am now looking to meet with an attorney to address this issue. It is wrong for other persons ' accounts to be reported on someone else 's credit report and I can not continue to allow this to happen.

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 2017-06-29 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: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX Santander offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In the first week of 2014 I was home in Colorado having  finished my enlistment contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. Santander would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. Santander needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if Santander offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.

Company response to consumer: Closed with explanation