vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted XXXX, XXXX, and TransUnion concerning some medical bills and a XXXX account reporting as collections on my credit report. I notified each credit bureau that these items do not belong to me and are reporting on my credit file in error. I received notification from the credit bureaus that these items were verified and that they are to remain on my credit. I responded to their findings with a request to provide me a copy of the individuals, date, time, and address to the person/s that verified this information because if indeed the did a proper investigation, they would not have verified that these items belong to me. After my 3rd contact, they have ceased responding and the issue of XXXX items reporting on my credit in error remains. The Fair Credit Reporting Act gives me protection that I will have an accurate and fair credit file and XXXX, XXXX, and TransUnion are in violation of my rights under this law.

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 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted XXXX, Experian, and XXXX concerning some medical bills and a XXXX account reporting as collections on my credit report. I notified each credit bureau that these items do not belong to me and are reporting on my credit file in error. I received notification from the credit bureaus that these items were verified and that they are to remain on my credit. I responded to their findings with a request to provide me a copy of the individuals, date, time, and address to the person/s that verified this information because if indeed the did a proper investigation, they would not have verified that these items belong to me. After my 3rd contact, they have ceased responding and the issue of 3 items reporting on my credit in error remains. The Fair Credit Reporting Act gives me protection that I will have an accurate and fair credit file and XXXX, Experian, and XXXX are in violation of my rights under this law.

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 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express mistakenly closed my credit card, wiping out $ XXXX in credit availability ( half of my overall availability ), which ultimately double my credit utilization, which resulted in a 40 point reduction of my FICO score. They have been less than responsive and are not taking ownership of the impact to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I called USAA to initiate a deposit to my secured credit card account. After spending 15 minutes on hold, I was greeted by a representative who did n't seem to understand my request and said she did n't see any active credit cards. She then stated she could locate the account, but did n't think that I could make such a request. However, she said she would get me to the appropriate department to assist. I was then dropped back into the queue and made to verify my information for a second time. This representative was pleasant, but said she could n't assist with my request due to " system '' reasons. She advised she would get me over to the Executive Office. I was greeted by a representative who asked how he could help me. I restated my request for the 3rd time, and then was hung up on!!! This was a very terrible customer service experience. I 'm trying to rebuild my credit after filing bankruptcy, and a simple request to initiate a deposit to my CD account to increase my credit limit seemed to cause a lot of confusion.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
XX/XX/XXXX - Request credit bureau investigation - not my account XX/XX/XXXX - received completed credit bureau investigation report - stating that it does belong to me and if I have questions contact : XXXX XXXX, XXXX XXXX XXXX, XXXX SC XXXX Phone : ( XXXX ) XXXX XX/XX/XXXX - left several messages ( no live representative to speak with ) ... 

This is hurting my credit score and credit worthiness - what do i need to do to get this frivolous account removed from XXXX, XXXX and XXXX credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I did have a XXXX account quite some time ago ... maybe 3 or 4 years ago but the amount being reported on my credit is inaccurate and I asked about it several times but ca n't get the amount verified fully.

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 2017-10-16 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: NC

Complaint narrative:
On XXXX XXXX XXXX, a " hard '' credit inquiry was made by XXXX to Transunion. This inquiry was made and went through even though my credit was frozen at Transunion. I have tried to find out how this hard inquiry was allowed to go through when a freeze was in place. 

Note : This freeze has been in place since XXXX when I found out I was a victim of identify theft. The freeze is in effect with all 3 credit agencies ( Transunion, XXXX, and XXXX ). I have lifted the freeze on specific times ( to buy house, car, etc ) but immediately froze the credit again. Transunion has confirmed that my credit is frozen. 

As a result of this hard inquiry, an account was opened in my name with XXXX ( of which I am not and have never been a customer ). 

I want to know why Transunion allowed this inquiry to be made - as a result of it my identity has been used fraudulently and made me a victim of identify theft despite actions taken with Transunion to prevent such actions.

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 2017-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: American Payment Holdco, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I entered my local XXXX XXXX # XXXX located at XXXX XXXX XXXX, XXXX, MD XXXX to send cash through XXXX to pay the XXXX XXXX. I purchased a XXXX cash transfer for {$5700.00} ( one for {$5000.00} and the other for {$700.00} ). I received a XXXX receipts for the transactions ( attached ). I then called the XXXX XXXX to verify the receipt of the funds. XXXX confirmed the funds were not received. I called XXXX to verify transfer of the funds. I was told by XXXX that the reference number on the receipt did not belong to XXXX. I went back to the XXXX on XX/XX/XXXX to inquire about my transaction and discovered that the XXXX Associate had completed a Checkfree Pay transaction instead of my requested XXXX transaction. The associate called checkfree pay and was told that XXXX would receive the funds on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX and was told that no payments were made to my account, and again told they do not recognize checkfree pay as an authorized form of payment. On the same day I did a conference call between XXXX and checkfree pay during which the XXXX representative informed checkfreepay that no monies were received and that he never heard of them. After hanging up the checkfree rep informs me that he will start an investigation ticket that will take up to 14 days. On XX/XX/XXXX I called XXXX again to check on the payment and told again no payments have been posted. On a second call the same day XXXX asked that I get a tracking number for the transaction so that they can trace the funds. I called checkfree again for the tracking number and told that they do not use tracking numbers, just the reference number found on the XXXX receipt. I told him that all electronic money transactions can be traced after which he gave a trace number XXXX XXXX XXXX,. I called XXXX and gave them the trace number. XXXX has promised to get back to me by tomorrow XX/XX/XXXX to update me on their investigation. XXXX and Checkfree both claim 24 hour transfer of funds and it is now 6 days later and {$5700.00} is in black space. I am without my vehicle to go to work and I am accumulating fees for non-payment. I have spoken to managers in the XXXX corporate headquarters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without return of my funds. I have been in contact with checkfree everyday from XX/XX/XXXX -XX/XX/XXXX ( except Sat and Sun ). Checkfree Pay continues to tell me that XXXX accepts payment from them all the time and that they receive calls from XXXX on a daily basis to verify payment, which completely contradicts what XXXX says.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
after a floding situation and wind damage in the area I end up set back in my payments, and I want to resumen my payments and the Bank refuse to take it probably to inflate amount. please monitor it. and help. the full amount is {$1400.00} total.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Management Outsourcing, Inc.
State: VA

Complaint narrative:
The company keeps calling and leaving voicemails even though I blocked the number they called from. This is done at least 3 times a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I took advantage of a 0 % Transfer rate for 12 months. I still had other existing balances on the account that had a 19.74 % rate. I assumed that all payments I made would go toward the " highest rate '' balance.I recently questioned them because I believed I had paid off the entire balance. 

XXXX XXXX, XXXX XXXX % Balance {$3300.00} XXXX XXXX, XXXX Paid {$3200.00} XXXX XXXX, XXXX Paid {$300.00} I assumed that balance would be {$0.00}. My XXXX XXXX, XXXX statement shows XXXX XXXX, XXXX 19.74 % Balance {$1800.00} Even with the minimum payment of {$300.00} not being applied, how can my balance be {$1800.00}? It just does n't make sense! 

Please help. 

On the Frequently asked Questions, it has a response to how are payments applied. 
It states " Payments above your Minimum Payment due will generally be applied to your highest rate balance first '' That 's it!! Why does n't it state what it does ... minimum payments will be applied to the 0 % offer balance and any amounts over will then be applied to the highest rate. I 'm disgusted and ca n't believe Bank of America allows this to happen. I 've been a loyal customer for 30 years and I ca n't imagine the total interest they have charged me over the years because of this.

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 2017-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Orions Management Group, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX from Orion 's group called my immediate boss to gather personal information about me and my main line employer line requested to speak with my HR department to get information about serving me papers at my personal residence. I called and he would not let me ask how I can get the papers ( even suggesting signature required/certified mail ), even after I said it was okay to serve me at work, then he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
On XX/XX/17 Penn Credit has sent me on this date a letter saying I owe this debt which I have no knowledge of what can be done to get this removed off my credit report Sir or Mam? the debt they say is owed is 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 2017-10-16 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: FL

Complaint narrative:
this is like the 15 th time i have had to make a report about this credit reporting agencies, experian, XXXX and XXXX i have made police reports, ftc affidavids wrote them called them and they still keep putting this fraudulant info on my reports then they take it off to get it back three months later under a different collection agency name, I HAVE HAD AND STILL HAVE FULL COVERAGE MEDICAL INSURANCE FOR THE PAST 11 YEARS NO DEDUCTABLE! AND THEY KEEP PUTINNG THESE FRAUDULANT ACCOUNTS ON MY REPORT, NOW IT SAYS IT IS FROM 3 MONTHS AGO XXXX XXXX 2017 FROM XXXX XXXX/XXXX XXXX XXXX WHICH IS A TOTAL LIE FOR ONE I MOVED TO XXXX XXXX COUNTY 7 MONTHS AGO SO I AM NOT EVEN IN THAT COUNTY XXXX PLUS I HAVE INSURANCE THEY ARE SAYING I OWE XXXX XXXX I ASKED FOR WHAT SINCE I DONT EVEN LIVE IN THAT COUNTY THE CREDITOR CAN NOT TELL ME OR HAS NO SIGNITURE NO NOTHING BUT THEY PUT THIS FRAUD ON MY CREDIT!! I AM GETTING SICK AND TIRED OF THISOH BUT THE CAR I PAID OFF IN FULL NEVER LATE IS NOT PUT ON AS GOOD CREDIT BECAUSE I PAID IT OFF THIS IS SUCH A SCAM PLEASE HELP ME 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 2017-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: IL

Complaint narrative:
The interest rate on my loan increase quaterly for no reason. I do not recall receiving information about the rate being variable. The out of school date is also incorrect. I graduated from my undergraduate program in XX/XX/XXXX and my graduate program in XX/XX/XXXX. I intitally received the loan through XXXX when in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I opened my credit card account in XX/XX/XXXX with XXXX XXXX  XXXX aka XXXX XXXX XXXX, XXXX. The current promotion at that time was sign up for a credit and receive XXXX XXXX miles to use at a later date. When I received my welcoming information regarding this credit card additional details stated that there was an annual {$69.00} fee as well as an introductory APR of 0 % for one year. I was not interested in the annual fee and called customer service on XX/XX/XXXX with Rep XXXX ID XXXX to see what options I had. Per the representative XXXX, I could downgrade to a no annual fee card and still receive the promotional offers from the card I applied for. The only change was that I will not accrue miles at the same rate. I arrived home today to find a statement. Because I bank online I rarely ever open my statements. This time I was curious and opened the statement. I first realized that I was being charged APR which is not what I signed up for. So I called customer service and spoke with Rep XXXX who explained to me that the 0 % APR introductory offer was only for balances transferred to this account for 15 months. I was beyond appalled with this new information that I further asked about the XXXX miles with XXXX XXXX. I was now updated again, against what I signed up for, that my miles were taken from me when the account was changed to a non-annual fee card. I have filed a complaint with customer service under Case XXXX with manager XXXX Rep ID XXXX. I will continue to follow the updates of this case. I will be paying this card off and no longer using it because of misrepresentation of the promotional offers. Please look further into this concern.

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 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a lien which was removed from the other reporting agencies upon verification that it was satisfied.Since XX/XX/XXXX I have submitted many disputes to Equifax by telephone, online, and US postat service.The online dispute either does n't work because of constant maintenance or the verification is flawed so that you ca n't complete the dispute online. After giving up on the online process, I called and was told to mail my dispute. I mailed a dispute the first week of XX/XX/XXXX and have not received an answer. Because of the lien rental/lease agents wo n't accept my appllication for a place to live. The lien is for {$67000.00}. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
this is like the 15 th time i have had to make a report about this credit reporting agencies, XXXX, XXXX and XXXX i have made police reports, ftc affidavids wrote them called them and they still keep putting this fraudulant info on my reports then they take it off to get it back three months later under a different collection agency name, I HAVE HAD AND STILL HAVE FULL COVERAGE MEDICAL INSURANCE FOR THE PAST 11 YEARS NO DEDUCTABLE! AND THEY KEEP PUTINNG THESE FRAUDULANT ACCOUNTS ON MY REPORT, NOW IT SAYS IT IS FROM 3 MONTHS AGO XXXX XXXX XXXX FROM COMMONWEALTH FINANXXXX XXXX XXXX WHICH IS A TOTAL LIE FOR ONE I MOVED TO XXXX XXXX XXXX 7 MONTHS AGO SO I AM NOT EVEN IN THAT COUNTY XXXX PLUS I HAVE INSURANCE THEY ARE SAYING I OWE XXXX XXXX I ASKED FOR WHAT SINCE I DONT EVEN LIVE IN THAT COUNTY THE CREDITOR CAN NOT TELL ME OR HAS NO SIGNITURE NO NOTHING BUT THEY PUT THIS FRAUD ON MY CREDIT!! I AM GETTING SICK AND TIRED OF THISOH BUT THE CAR I PAID OFF IN FULL NEVER LATE IS NOT PUT ON AS GOOD CREDIT BECAUSE I PAID IT OFF THIS IS SUCH A SCAM PLEASE HELP ME THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: AZ

Complaint narrative:
Several months ago, I began receiving voice mail by AFNI stating that I was guilty of nonpayment of bills. I was told to call a number ASAP. I have ignored this request : I owe no bills and I assumed it was a scam. For months now, I receive 5-6 calls/day. 
I would like this to stop.

Company response to consumer: Closed with explanation