vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 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: MN

Complaint narrative:
I had an equity loan through XXXX XXXX XXXX. Instead of renewing the equity loan, I elected to turn it in to a conventional mortgage loan instrument, at a fixed rate. Experian is still reporting it as a revolving account, instead of a real estate item, on their online website, which is erroneous. Numerous communications with Experian agents have failed to rectify the problem, with them insisting that it is a revolving item, since it is an active line of credit. XXXX XXXX cancelled that line of credit when I elected not to renew the original equity product.

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 2018-01-23 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian is not allowing consumers to access their own credit report. They are keeping it locked up unless you pay money, you can not even dispute, contact and agent, or anything. They do not respond.

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 2018-01-23 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: MN

Complaint narrative:
I requested a withdrawal by check and it was to be sent to me with my name as the payee. I have not received the check. The check was made on XX/XX/XXXX in the amount of {$100.00}. Transaction ID XXXX. 

On XX/XX/XXXX, I spoke with XXXX at American Express. XXXX. I requested a stop payment of the check. XXXX told me that an investigation would need to occur that would take 10 days. I told her that I wanted to file a dispute and was told that an investigation needed to occur. I told XXXX that an investigation was not necessary as the check was made out to me, sent to my address, and that I did not receive it. Absolutely, nothing but it will at least take 10 days for the investigation and another 10 days to appear in my account. 

I can not get through to these people, that this is not how it should work. It is purely unethical how they hold onto funds. 

This company is purely unethical. Because their agreement states that they can hold funds for 7 days+, they do. 

Another example of unethical business is XX/XX/XXXX I made a return to XXXX XXXX in the amount of {$180.00}. The transaction appeared on my XXXX statement XX/XX/XXXX ; however the funds were not available on XX/XX/XXXX. I called and asked and they told me that they needed to do an investigation. I requested what the investigation was as I was concerned that perhaps my information had been hacked. Then I was told that my cardholder agreement states that they can hold onto the return funds and they did for 10 days. Although it " appears on my card '' as a transaction of XX/XX/XXXX, it was actually 10 days letter before the funds were available. 

This company is sitting on consumer 's money for their profit. The money is making interest for American Express not the consumer. Very unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX XXXX Accounts : 1. Ambulance Ride XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1500.00} {$1500.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX This companies reporting the same debt twice on my XXXX, XXXX and XXXX reports. They are for the same incident and the exact same dollar amount and date. I have called this company and they can not locate me by social in their system to tell me the details of this alleged debt and so therefore I am disputing the accuracy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My XXXX credit card account was closed because of some personal hardships. I tried login into my account and they said it was locked due to security to reasons. When I tried to get it unlocked they said it was unable to be unlocked because it was closed. I am now unable to get my current balance and make payments online. This seems predatory and intentional to get consumers to miss payments or make the wrong size payments.

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 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ECMC GROUP, INC.
State: TN

Complaint narrative:
While checking my credit reports I discovered a collection listed by XXXX XXXX XXXX XXXX XXXX  Act. # XXXXin the amount of {$1000.00} I immediately sent XXXX XXXX a certified letter requesting verification. I received no reply whatsoever. I pulled another credit report 30 days after XXXX XXXX  signed for the original letter and the collections account had not been removed or marked as diputed as required by Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I then sent a second certified letter and again got no response From XXXX XXXX. As of a XX/XX/XXXX Credit report pull the collections item is still on my credit report and there is no notice of dispute, ( a violation of the Fair Debt Collection Practices Credit Reporting Act, and the corresponding local state laws ). I filed a complaint with CFPB. in their response, XXXX XXXX did not address any of the issues in my complaint but instead mentioned about some account from XXXX XXXX which I know nothing about.They did not address at all the XXXX XXXX XXXX Account, which was the subject of my certified letters to XXXX and my complaint to the CFPB The sloppy procedures and erroneous reporting of XXXX XXXX XXXX XXXX XXXX result in their non compliance with Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws and is causing me financial harm, In summary, it has been over 3 months since XXXX XXXX received and signed for My first certified letter on XX/XX/XXXX and to date they have not provided me with " validation '' ; that is competent evidence that I owe them this debt and their inability to do so requires that they remove the item from my credit reports. I could not even get a response from hem until I filed my original complaint and when they responded to the complaint their response did not address The XXXX XXXX XXXX account which was the subject of the complaint.

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 2018-01-23 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: PA

Complaint narrative:
I have send to XXXX,XXXX and XXXX, to remove this studetn lona or update, this was not remove due to bacnkcrucy, we all know student loan cant be remove with that, i have pay this and send them proof, even like that they live this ask discharge on bancrulcrucy, this was pay from my bank account. please update.

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 2018-01-23 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: PA

Complaint narrative:
I have send to Equifax,XXXX and XXXX, to remove this studetn lona or update, this was not remove due to bacnkcrucy, we all know student loan cant be remove with that, i have pay this and send them proof, even like that they live this ask discharge on bancrulcrucy, this was pay from my bank account. please update.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
Hello, I have been making payments to this creditor, XXXX. I received a statement dated XX/XX/XXXX which stated my payment of {$25.00} was due on XX/XX/XXXX. I made a payment 6 days later on XX/XX/XXXX, which they show receiving on XX/XX/XXXX. They told me they reported the account to the credit bureaus on XX/XX/XXXX, XXXX days later. Why am I getting reported as delinquent if it was not even 30 days delinquent? I made the payment 6 days after the due date. 
I also received a statement dated XX/XX/XXXX which reflected my new balance, which stated my payment due date of XX/XX/XXXX. I made a double payment of {$50.00} that time on XX/XX/XXXX. 
Today I called the company and asked what was going on and the lady said that they have held the account since XXXX and they did in fact receive my payment of {$25.00} on XX/XX/XXXX and then did report my account on XX/XX/XXXX. I asked since this is an error if it could be deleted, and the lady told me no. She also told me that it was set up as a hardship payment and that was only good for 3 months. They did not tell me this when it was set up nor did they send me any other letters stating we needed to redo the payment plan etc. I was not aware of that and they did not make that known. You will see on the last statement I received dated XX/XX/XXXX ( payment due XX/XX/XXXX ), it says " for your convenience we have established the following payment arrangements : monthly payment amount {$25.00} and due date XX/XX/XXXX ''. So I have been just following that arrangement. 
I am trying to get my house refinanced so I can pay off ALL of my student loan debt and this has completely trashed my credit score.  My mortgage lender referred me to you for help to get this fixed, because now otherwise I will have to wait like 6 months. I don't have that amount of time to wait! I need help. This was reported when I was not delinquent. 
I did in good faith pay off the balance of this account today ( {$520.00} ) because I was fearful of this happening again and also I no longer want to deal with this company. This is ridiculous and they refuse to fix it directly with me. They need to delete their error immediately. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: Innovis
State: CO

Complaint narrative:
I purchased software from this company which included registering my company name and address. I then downloaded the software. I needed to make a change to my software last year to conform to the CFPB banking guidelines on disclosing my locations to the consumer as required by law. They made the change over the phone. This year I needed to change my address again, and the company told me I had to pay them an additional {$300.00} to update my address and support. I told them I did not want to get support and pay the additional fee. They told me I could not update my account information from the purchase unless I paid NOW for the annual support. They are using this to NOW blackmail people into buying support for the year. I was never told when I purchase this that I would have to pay for software support just to update my address in their system and on my software. I just wanted my software address updated as I did for 3 years at not cost because its just my account address. This was never disclosed and is a violation of XXXX Policies of Bate and Switch. I will also be filing a complaint with BBB and CFPB Banking Violators This should never be allowed to happen to any consumer and policies should be stated upfront if they are now going to hold consumers hostage to collect support money. 

I was my address updated in their system and showing in my software. XXXX XXXX XXXX XXXX, XXXX CO XXXX. 

Thanks addressing this Bate and Switch Complaint! 

XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I owned a home in the XXXX area. XXXX XXXX XXXX XXXX XXXX is not doing a great job at all. I encourage you to read all the complaints of Bank of America from consumers. I honestly had the hardest time with the banks, and the banks are whining? I was never reimbursed for a check fraud complaint with the XXXX with BAC. I had lost my job, my car and wanted to short-sale my home. The XXXX answer was there is nothing we can do about it. 
I wanted to short-sale my home sooner but the Management Company of my condo refused to provide the realtor with the keys. I filed a motion to stay the sale. The Bank never called me. I filed several documents that were requested as a home modification. I am working part-time and I filed all my hardship documents. 
My realtors attorney filed the correct paperwork, and the bank lied and said that the documents were not there according to XXXX XXXX at Bank of America when XXXX XXXX stated all I needed was a copy of my license and this was all I needed. In fact, I know the bank lied because an employee of the bank requested that a XXXX form re-completed by XXXX XXXX, which was in part of the attorneys documents. The foreclosure attorney XXXX XXXX who works at XXXX XXXX , XXXX in XXXX would not return my calls, because as a consequence my short sale never happened ( the bank refused ), and put me through XXXX. My condo was placed on the Market for one day and returned to the bank. I wanted answers from the foreclosure attorney XXXX XXXX as to what happened to my property ( only on the market for a day? ), and I get no response when my home was put on the market for one day then taken off the market. I hear on the news that the banks feel that the XXXX is over aggressive. I have a part-time job and underemployed. I was put into foreclosure due to fraud of the Management Company and the Board members. I was forced out of my home with the hopes of getting my relocation expenses reimbursed, and to prevent huge damage to my credit which never happened. 
I filed against the bank a long time ago a complaint with the Federal Reserve, and all I get from BAC is a voice mail from the regulations Department from XXXX XXXX. I always had to call the bank with no return calls. I even escalated this issue to Management XXXX XXXX and she did nothing prior to the Bank making me go through all kinds of steps prior to a short-sale, which was denied. Bank of America lacks transparency and is not honest with consumers by dragging out the time and costs of a consumer trying to short sale a home. More importantly, May be engaged in illegal activity by non-actions. I strongly urge an investigation. I would like to Know what the status is with my home and so do the realtors in 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 2018-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Action Finance Inc.
State: TX

Complaint narrative:
action finance inc . 
XXXX XXXX XXXX XXXX, XXXX, TX XXXX they call me before XXXX at work and we dont open til XXXX so all calls are transferred to my bosses line. they call back to back using different numbers XXXX, XXXX XXXX, XXXX they call 5 times a day to my job and i tell them they cant call me here because i can not receive personal calls and im getting in trouble here at work for them calling. i cant answer my phone until i get on lunch break.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: NC

Complaint narrative:
I have been disputing these two account for about a year with no success. I have sent supporting documents and get the same results. The furnisher has not been reporting accurate information. The credit bureaus have not verified the furnishers reporting base on the documents I sent. Also the account history has been modified. The first delinquency date has been changed which is against the law. The furnisher of the data is XXXX XXXX XXXX.Account number XXXX and XXXX One of the Credit Bureaus XXXX has deleted account XXXX due to the age of the account. according to the law you must report 100 % accurate information. The balance is inaccurate and the history is inaccurate the first reporting date is inaccurate the account is close this not a new account which the furnisher reports as new. The credit bureaus response this account has been verified as accurate how when the the history and my supporting document clearly show discrepancies. The credit bureau must verify all information before publishing This has hurt my credit standing please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX a payment for my Citibank Preferred Card was due, I, unfortunately, lost track of the date because of vacation and failed to make the payment. I have 25 on-time payments. On XX/XX/XXXX I called three times and the representative nor the account supervisor could do anything for me. I was suggested by one of the representatives to pay the minimum payment on the spot in which I did yet they did not remove the late-fee Due to the fact that I 've built a great relationship with the creditors, I would suppose that a simple mistake would easily be taken off.

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 2018-01-23 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: NY

Complaint narrative:
Requestor ( myself ) : XXXX XXXX Contact : XXXX Phone : XXXX Account # : XXXX Business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX '2016, XXXX XXXX XXXX reported to the credit bureaus that I was 30 days late on car note payment. All car note payments were made on or before the due date. 

After investigating this matter with XXXX XXXX XXXX, they stated that the late reporting was due to fact that they were unable to verify my car insurance coverage and expected me to pay an extra {$1500.00} per month while they obtain validation. XXXX XXXX XXXX eventually received events that that my car insurance had never lapse but they refuse to remove the 30 days late payment and fees from my credit report. I paid the fees to avoid anymore negative reporting on my credit report. I 've tried to working with several levels authority within XXXX XXXX XXXX and they refused to update my credit report. I 've also contacted the credit bureaus for assistance with getting this negative mark ( 30 days late ) removed but no success. 

If you can kindly assist with this matter, it would be greatly appreciated. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
previously, I 've have been trying to make arrangement in paying navient they put my loans in forbearance, after that I would make arrangements to make payments of XXXX for a certain amount of months. I gave them my credit card to take the payments. they would take 1 or 2 payments, Navient would send me paper work to fill out. I would send them the paper work, navient would tell me that I did n't qualify for the payment plans, or they did n't receive the paperwork in time! Navient would not continue to take the payments Navient would tell me to call them back when I have the money to make arrangements for payments. I did n't know what kind of arrangements they were talking about because they would tell me to pay for that payment. then they stopped taking payments. One time I went through the whole months they told me and still. I 'm here trying to solve. to make arrangements for payments.

Company response to consumer: Closed with explanation