vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
on XX/XX/17 I submitted complaints to each credit bureau to remove negative items from my credit report that did not belong to me. I received a response from XXXX  and they removed these items, however, Equifax and XXXX  failed to reply at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XX/XX/17 I sent letters to XXXX, transunion and XXXX requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.

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 2018-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
Was notified by mail about a debt that was sold to 3rd party collection agency claiming to be a law office. I was notified in XXXX 2017 by letter stating that they have made several attempts to reach out to me about the debt and that if they did not here back from me with in a certain amount of time they would be proceeding with legal actions. I have not received any calls, letters or anything about this. Never received any notifications that the supposed debt was being sold to a different company as well. When I called Kenosian and Milele, LLP they were very rude and unwilling to help me settle this. I asked for information about this debt and when they tried to notified me. I was told that they can not provide me with any information and that I had to settle this today or they would proceed with legal actions today. I asked for some type of settlement due to the large amount claimed being owed, they were still unwilling to help. I asked to make payments of {$50.00} a month and was told they can take anything less then {$120.00} a month. They use very harsh and threating words to try to collect the debt with out providing any information when requested Still unwilling to provide information about the debt I asked for something in writing about they payments be arranged and was told that their lawyers to do not provide anything like that in writing. So out of the fear of being sued I agreed to make payments that I could not afford. After making a payment, I was unable to make the next months payment. I called them before the payment date to notify them I was unable to make the payment. I was told that either I come up with the money today or that they will take me to court and garnish my wages to get the money and that either way they will get their money. I called the original creditor to see if I could get information about the debt they stated they no longer had the account and that it was sold to XXXX XXXX. I find this very suspicious because the letters I received mentions nothing about XXXX XXXX   owning the debt. All notification I have received come from Kenosian & Miele LLp Attorneys at Law stating that the original creditor is XXXX XXXX and that XXXX XXXX XXXX XXXX XXXX is there client. I done research on this Law office Kenosian and Miele, and they do unethical practices by illegally serving people wrong court date information and get a default judgement to garnish people wages or by illegally taking funds out of peoples account with out notification. I am afraid this is going to happen to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/17 I sent letters to equifax, XXXX  and XXXX  requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/17 I sent letters to XXXX, XXXX  and experian requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.

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 2018-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: NY

Complaint narrative:
My problem is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX Having placed an order onXX/XX/XXXX {$4200.00}, it was stated that there was a 3 business day cancellation policy. On theXX/XX/XXXX ( XXXX XXXX ) I mailed a letter of cancellation to the above address, as directed in their instructions, called XXXX XXXX   ( the salesman ) and the local office ( XXXX ). At the end of XX/XX/XXXXI received a call about installation. Again I called the local office asking why they were calling me. I was told that they would check into the problem. Well in XX/XX/XXXX I received a bill from Green Sky, a loan program. Called them ( XXXX  ) and was told that only XXXX XXXX  could cancel the loan. Again, I called the local office. Then I received another call from their installers. Again I called the local number and was told that I would have to speak to the salesman. I called XXXX XXXX early in XX/XX/XXXXand he apologized for the delay and said he would take care of it. That was earlyXX/XX/XXXX. Well here it isXX/XX/XXXX, and I just received another bill from Green Sky. Please advise how I should proceed, and warn off other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
A merchant credited my account for services that they did not provide. The credit appeared on my account. On XX/XX/XXXX American Express issued a refund check for the credit and posted it to my account resulting in a XXXX  balance. On XX/XX/XXXX they posted the same refund for a second time resulting in a positive balance. On 7 separate occasions I have contacted American Express asking that they correct the problem from the duplicated credit to my account. on each of those 7 occasions American express told me they would correct the problem and that a XXXX balance would be on my account. They have yet to correct the problem. they have now started to charge late fees and have started calling me on my home phone. Each time they admit their mistake and remove the late fees admitting they have made a mistake, but have yet to correct their original mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: MA

Complaint narrative:
I leased this car in 2011 and paid for it for a couple of months and was unable to pay it and so they repossessed it.Its been six years plus that they have it on my credit report.I have paid two companies to try and remove this from my credit report without any avail.This has frustrated me alot over the years I have tried to apply for things even housing I have been denied because of this.So am appealing to u to try and resolve this for me since I have only one year for to stay on my report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted complaints to have items that I did not authorize removed from my credit profile and I didn't get any response to my letters. This is against the law and I demand these negative items be removed because they are keeping me from obtaining new credit.

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 2018-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been trying to access my account online but all I get is a notice that capital one is preventing me from having access to my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: FL

Complaint narrative:
There are multiple inaccuracies on my credit report. My report should have a freeze on it and equifax is still allowing inquiries to go through without my permission. I have 20 fradulent inquiries all while there is supposed to be a 7 year freeze. The second issue is that I resolved with a creditor an account for XXXX/XXXX XXXX  for it to reflect as settled in full ans I provided this letter from the creditor to Equifax and they have refused to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
J.P.Morgan Chase acquired my XX/XX/XXXX XX/XX/2004 {$88000.00} home equity loan with a fixed rate of 6.990 %. Chase has Changed my fixed rate to 6.74 % and does not want to comply with the terms of the loan agreement which states in the 3rd paragraph : If a law, which applies to this loan and which sets maximum loans charges, is finally interpreted by a court having jurisdiction so that the interest or other loan charges collected or to be collected in connection with this loan exceed permitted limits, then : ( i ) any such loan charges should be reduced by the amount necessary to reduce the charge to the permitted limit ; and ( ii ) any sums already collected from me which exceeded permitted limits will be refunded to me. Lender may choose to make this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces the principal, the reduction will be treated as a partial payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: DC

Complaint narrative:
This problem began when I paid off my car loan and needed to receive my title in an expedited manner.

There are too many problems to address in one complaint about the difficulties I have faced with multiple Honda Financial Services agents to list it all out in this complaint.

It can be summed up with the fact that over the course of more than a week, Honda Financial Services has led me to believe I could receive the title by a specific date with certainty going as far as instructing me to set up a XXXX account to receive the title in time. However, in each instance of their instruction, the agents turned out to be wrong and I am only given repeated excuses by agents and their manager. 

I have XXXX  from the XXXX XXXX XXXX to depart for an XXXX XXXX  on XX/XX/XXXX, almost 3 weeks after having begun this process to get my title. Honda Financial Services ' failure to properly handle my request has made it so that I may not be able to sell my car prior to my departure date. I have no idea where my title is and I needed the title this week. The XXXX   DMV ( whom Honda Financial Services mistakenly told me could help once I had a lien ) made it clear there was nothing they could do, that Honda had given me false information, and that my only option is to wait it out for Honda Financial Services. 

I have had to spend numerous hours already on the phone over 7 days trying to get this issue resolved. These are hours lost of productivity in my job and time that I should have been using to prepare for my upcoming assignment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.
State: ND

Complaint narrative:
i have been harassed by this company for years, i told them i was never there

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted complaints to have items that I did not authorize removed from my credit profile and I didn't get any response to my letters. This is against the law and I demand these negative items be removed because they are keeping me from obtaining new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted complaints to have items that I did not authorize removed from my credit profile and I didn't get any response to my letters. This is against the law and I demand these negative items be removed because they are keeping me from obtaining new credit.

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 2018-02-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent in paperwork to remove these negative items from my credit report on XX/XX/17 and still several months later haven't received any response about these fraudulent items being removed from my credit report.

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 2018-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
after my social security number was hacked in XX/XX/XXXX I received a debt collection from natcred in the amount of XXXX.dollars on my credit report but that is DATED from XX/XX/XXXX it is utterly moronic first ; for a debt collector to wait 4 XXXX years to start collecting on something. 2ndly that the only process this repugnant credit reporting agency does as an investigation is contact this debt collector which they ALWAYS say yes and then im stuck with a debt on my credit report forever. this illegal and frivolous way of investigating clearly shows the bias and discrimination both XXXX and transunion have towards the customer and how well they lay in bed with the debt collector. Furthermore it makes ZERO!!! XXXX sense that after my bankruptcy filing and clearance in XX/XX/XXXX I have gone 9 XXXX years without ANYTHING!!! on my credit report UNTIL AFTER!!! this hack occurred and my social UNsecurity number is out for anyone to get and use. neither transnunion nor XXXX take a customers word as evidence but they sure as XXXX take a debt collectors based solely on the fact that they give my social security as evidence and they NEVER use common sense or logic when reviewing a credit report. since my bankruptcy I have had perfect credit until my information was hacked. and lastly it is further repugnant that transunions last response is to not believe that I XXXX XXXX am the one trying to fix my own account and there only cheap excuse to refuse to investigate and fix my credit report is a rebuttal that my social security number isn't enough to review and fix this problem. use one iota of common sense why would someone that isn't ME!!! be trying to fix my XXXX credit report you pack of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In my using the XXXX  phone app ( that is attached to my Chase Credit Card ) to purchase a {$24.00} ticket from XXXX XXXX, the app bought a {$24.00} gift card from XXXX XXXX I telephoned Chase Credit Card and was told to file a complaint with XXXX. To wit : ( for details see attachment ) Re : XXXX Sirs : On XXXX2018 the XXXX app made an error by purchasing a giftcard of XXXX XXXX in the amount of {$24.00} The intended purchase was from XXXX XXXX  for {$24.00}, which purchase was completed moments later.

As the XXXX XXXX charge was an error, Please Credit my Chase CCard account - ending in -XXXX - for the erroneous {$24.00} charge.

Yours, XXXX I have not heard back from XXXX about this complaint/dispute.

I filled out a complete online dispute form on the Chase Credit Card website and when I submitted it I got the return message, " Page Not Available ''.

I re-telephoned Chase Credit Card and spoke with three agents, ending with XXXX XXXX   supervisor in the dispute department, who told me she and Chase Credit Card could not reverse the erroneous charge.

Companies involved : XXXX XXXX XXXX XXXX ; XXXX  phone app ; Chase Bank Credit Card.

Please Advise

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent in paperwork to remove these negative items from my credit report on XX/XX/17 and still several months later haven't received any response about these fraudulent items being removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent in paperwork to remove these negative items from my credit report on XX/XX/17 and still several months later haven't received any response about these fraudulent items being removed from my credit report.

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