vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
My unpaid account with XXXX was sent to collections to two different collection agencies : Receivables Performance Management ( XXXX ), and XXXX XXXX, XXXX. 
I settled an amount with XXXX, and the account was settled in full on XXXX/17. 
However, I am still listed on XXXX XXXX system and the account is showing on my credit reports, affecting my chances of obtaining a home loan, due to the bad and misrepresented information. I have spoken to XXXX XXXX  Escalations Department Manager 's to try to resolve the issue, and have forwarded them email documentation ( PDF file of receipt from XXXX ) proving the account with XXXX has been paid for, but they have yet to update their records. They keep telling me they have not received any proof, and keep on prolonging this stressful situation for me. 
I am asking for assistance to get this issue resolved as soon as possible.

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 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
With XXXX XXXX XXXX XXXX preferred  Card.

I opened my account on XX/XX/XXXX. I was seeing 2 offers at that time, first one is {$150.00} back when spending XXXX  first 3 months, the other one is {$250.00} back when spending XXXX  first 3 months. Apparently I clicked on the wrong link, even though I thought I saw {$250.00}, but then they told me " no, it was XXXX  offer I saw. '' I had screenshot the offer from XX/XX/XXXX. Please see the attachment image from XX/XX/XXXX. 
Then no long after I applied, they changed to XXXX  back with first year fee {$95.00} waived, XXXX, it is very close to the offer I initially saw. I called the customer service again to ask if they could waive my XXXX  fee instead, since it is the offer now. Both the customer Rep and her supervisor told me there was no way the fee would be waived.

My boyfriend heard the story, he felt bad, since he was the one who referred me to open the account ( which he should have gotten his referee fee, they could n't credit him either, because I clicked on the wrong link ). My boyfriend called in from his account and phone number, we gave the Customer Rep authorization to look into my account, she said she talked to her supervisor and was able to credit me the {$95.00} intro fee in 2-7 days. That was on XX/XX/XXXX.

9 days passed, I did n't see any credit amount on my statement, I called in again. Same thing, the lady told me she talked to her supervisor, there was no way to credit me the intro fee {$95.00}. My boyfriend got annoyed, he called in again. So it turned out they credited him the {$95.00} intro fee because he 's been with Amex for a while. How ironic!!!

However, as first time female customer, I was not able to get fee waived at all because I clicked the wrong link. First of all, why would they show 2 different offers at the same day same exact time, just because I clicked the wrong link, I did n't get XXXX offer. Then Why was my boyfriend got intro fee waived after being a long term customer, and I was not. He called in on my behalf anyways, ironically Amex waived him the fee.

So he ended up telling the customer Rep to transfer {$95.00} from his account to mine since he felt bad what happened to me. The unfair treatment to Amex customers! I felt ashamed by how Amex handled my situations.

I have contacted Amex through chat, phone twitter multiple times ( at least 8 times ), I could n't get any credit or fees waived. My boyfriend called in once- got his intro fee waived even he was calling on my behalf, oddly enough.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-21 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: HW Holding, Inc
State: NC

Complaint narrative:
I had rented an apartment with The XXXX XXXX in XXXX, SC managed by XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX XXXX to XXXX XXXX. The dispute has been forwarded by XXXX to XXXX XXXX XXXX and they have incorrectly reported it to credit agencies which is harming my credit profile and score. 

After I moved out of The XXXX XXXX apartments, I was sent a list of charges totaling {$290.00} ( attached ) that XXXX had slapped on me. There was no basis for most of these charges nor was there a mention about my obligation towards most of those items in my lease contract XXXX attached ). I reluctantly agreed to pay most of the charges but refused to pay for carpet-shampooing and oven-cleaning that they were claiming, as there was no basis for it. XXXX refused to hear my plea and forwarded this 'case ' to a collection agency named XXXX XXXX XXXX XXXX collect {$240.00} from me. 

I was harassed by this agency for many days while i kept explaining them that the agency nor XXXX have any proof to ask for this money. I also sent them a copy of my lease contract and communication with XXXX. But they very hard to reason with and reported this to all the the XXXX credit agencies in XXXX of XXXX. 

This has been harming my credit history, profile and score since then.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: NC

Complaint narrative:
I had rented an apartment with The XXXX XXXX in XXXX, SC managed by XXXX ( XXXX XXXX XXXX XXXX ) from XX/XX/XXXX to XX/XX/XXXX. The dispute has been forwarded by XXXX to XXXX XXXX XXXX and they have incorrectly reported it to credit agencies which is harming my credit profile and score. 

After I moved out of The XXXX XXXX apartments, I was sent a list of charges totaling {$290.00} ( attached ) that XXXX had slapped on me. There was no basis for most of these charges nor was there a mention about my obligation towards most of those items in my lease contract XXXX attached ). I reluctantly agreed to pay most of the charges but refused to pay for carpet-shampooing and oven-cleaning that they were claiming, as there was no basis for it. XXXX refused to hear my plea and forwarded this 'case ' to a collection agency named XXXX XXXX XXXX to collect {$240.00} from me. 

I was harassed by this agency for many days while i kept explaining them that the agency nor XXXX have any proof to ask for this money. I also sent them a copy of my lease contract and communication with XXXX. But they very hard to reason with and reported this to all the the three credit agencies in XX/XX/XXXX. 

This has been harming my credit history, profile and score since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC
State: AZ

Complaint narrative:
In XXXX of 2016 I looked into filing bankruptcy as a way of clearing up credit card debts. Instead I chose to use a credit relief program. I spoke to XXXX XXXX at Clear One Advantage and I agreed to have them take {$430.00} out of my checking account every month to make settlements and pay off 4 credit cards. These cards were XXXX XXXX XXXX - {$2700.00}, XXXX XXXX XXXX - {$1800.00}, XXXX XXXX, {$15000.00}, and XXXX XXXX XXXX - {$7300.00} ( these amounts have all been rounded up ). Since starting this program, more than {$5600.00} has been taken from my account. My contract has been transferred from Clear One Advantage, to XXXX XXXX, to XXXX XXXX XXXX. I have never received an accounting statement from any of these companies telling me how this money was distributed, even though I have asked all 3 of them to me. I have received notifications from XXXX and XXXX advising me that settlements have been made - yet when I call each of the 4 credit cards I find that they have been paid nothing. XXXX told me that both XXXX XXXX XXXX cards have been paid off and that I should call the bank for a " settlement letter '' - the bank had never heard of a settlement letter and told me that they have not been paid anything. Neither have the other two cards. Where has my {$5600.00} gone? Why do they refuse to send me an accounting? Why has my account gone from Clear One, to XXXX, to XXXX? And why can I never get a direct answer from any of them? 
I believe I am the victim of a fraud and want to stop the automatic withdrawals from my account. But what are the legal consequences to me if I do that? I have talked to a lawyer about this, but can not afford to hire one. I am XXXX XXXX XXXX, XXXX, and on Social Security. I am being lied to and being defrauded by these so-called " credit relief '' companies. Can you please help me? 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Opened XX/XX/2014 ( 3 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes after resolution Collection account Original Creditor Name CAPITAL ONE BANK USA NA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My most recent Bank of America credit card statement reflects receiving my {$600.00} payment, and shows my balance due reduced by {$600.00}, less $ XXXX % charge. However on the recent activity page, only {$200.00} ( approximately ) was applied to my balance 's. When questioned, customer service could not answer for the other {$400.00}. At one point we were told our payment was refunded ; than they admitted they had no answer and suggested going to the local bank. The bank rep also could not answer and called his support. " Support '' said our 0 % balances reflect the balance due including a potential % charge. We knew this was untrue. Next the support rep said the amount was properly applied in the computer, but did not show on statement. ( At one point the rep said they accidently sent another statement so just ignore it ) We asked if the statement would reflect the correct balance? Answer : No. We asked if the computer shows the money applied, why would it print an incorrect statement? Answer : The computer prints what it prints and can not be changed. We are concerned there might be some embezzlement or fraud. Without audit our statements and payments have not reconciled since at least XXXX 2017, but that involves filing a separate complaint. We had this account 23 years. We know errors can be fixed but Customer Service at Bank of America is non existence for us. We spoke with 5 or 6 different people ; 2 had no answer at all while the rest gave multiple ridiculous excuses with only one common theme ... do n't worry about it, wait for next cycle. Not acceptable.

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 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am writing in response to the Equifax data breach. As an individual that has been impacted by the neglect of a corporation, I urge the CFPB to guide Equifax in removing the conflict of interests in their proposed solution. 

Equifax should pay for consumers to use another credit protection service other than their own service as a result of their negligence. I am not a current or former customer of Equifax, nor do I wish to use their services. However, I do wish to protect my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems
State: NC

Complaint narrative:
XXXX DIAGNOSTICS XXXX {$430.00} XXXX XXXX {$150.00} XXXX Lab {$150.00} These invoices were paid and covered by Insurance and still reflecting on my credit. I have called the companies and the physicians stated insurance was paid and should have reflected XXXX and off my report, but it is still showing on my credit report. XXXX will call me back nor correct this information.

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 2017-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN EAGLE MORTGAGE COMPANY
State: GA

Complaint narrative:
We just bought a new house this summer. During that time, the home builder, XXXX XXXX recommended that we go with their preferred lender, XXXX XXXX Mortgage. Within 30 days of closing XXXX XXXX finally gave us a locked in mortgage rate, which was a XXXX percent higher than my regular mortgage lender, but at that time, we were within the 30 days of closing. XXXX XXXX then said we could n't change lenders because it was too late. My issue is the by the time we finally got the higher rate and higher closing costs with XXXX XXXX, XXXX XXXX would not us allow to go with another lender. In the end, my mortgage rate is higher by .25 % and closing costs ( $ XXXX XXXX as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Showing as XXXX collections - XXXX XXXX XXXX, XXXX, and XXXX under XXXX servces - XXXX lending solutions, and XXXX these are not my accounts I asked Transunion to verify they stated they did but it it not possible because I never had accounts with them before.

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 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In roughly XXXX of XXXX I had a existing credit card for home upgrades that I received through USAA that they solicited me to get instead of a home equity Loan. In XXXX of XXXX i lost my job and was trying to work with USAA on payments as well as my other creditors. When I lost my job in XXXX I called USAA and tried to work out a payment with them as I was going to be bind for a few months. They refused to work with me and wanted all the past due payments at that time. I did not have the money at that time to work them and I told them when they wanted to work with me to call me. A month later they called me and stated they wanted the entire balance in full. I told them that this was impossible and when they could work with me and I mean really work with me to call back. 

I then started receiving collection calls and I told the companies the same thing as well as to send me documentation of the debt which I never received. At the middle of XXXX and through beginning of XXXX I started getting more collection calls and they were now stating USAA had sold them the debt. I thought this was odd as USAA should have filed a XXXX debt cancellation but I was getting these phone calls. I told the collection agencies to send me a letter and no one never did. I called USAA and they refused to talk to me and cut off web access to my account overview. 

USAA is now trying to send a XXXX to the IRS for the year of XXXX taxes when it should have been done in XXXX as the proper discharge data for the debt. This is not right as well as selling the debt and then claiming it is theirs to discharge. For these reasons I am disputing the XXXX from USAA and need help as they will not talk to me or give me access to my account or other existing accounts which I am still making payments on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I was one of the millions of people whose identity may have been compromised by the Equifax breach. As a result, I was given free credit protection through XXXX XXXX, a division of Equifax. Today, I received a text from them asking me to contact them immediately regarding " activity needing my attention ''. They gave their web address and a phone number. I first went to the web and they are having problems with the site and appreciate my patience. I then called the phone number provided and got a busy signal on three attempts. When I finally got through, I was left on hold for 15 minutes and then disconnected. 

This " free '' service that Equifax provided is worth exactly what I paid for it ... ..nothing! They need to offer consumers whose data was compromised a credit monitoring service that works, like XXXX and pay for each consumer 's membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: GA

Complaint narrative:
3 years ago I suffered a theft of financial data by a XXXX employee, when I discovered this I ordered a free on credit, we had several fraudulent transactions as a result of this theft. The freeze tht I ordered was suposed to have been permanent. However on XXXX XXXX this year a purchase was made and finance was done through XXXX XXXX in XXXX GA I was never consulted about unlocking my freezer nor have I unlocked it for any purpose since freezing it. XXXX is unresponsive to hone calls, and now it has given my information to another set of criminals without my consent. 
I would like to have my information removed from their database, period as it is not safe. 
They have been irresponsible and reckless with my finacial information, and are freely giving credit in my name to whom ever requests it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I filed a price protection claim with my Chase Freedom XXXX credit card for a purchase I had made. The amount of the price protection refund was to be {$120.00}. 

The initial process of filing the claim through the official site was not smooth. Across multiple computers, and multiple days, I could not get the site to properly function. I eventually had to reach out to Chase to have them email me the form so that I can manually email it back. I believe these defects in the site to be intentional, as a way to frustrate people into not filing claims. 

Several weeks later, I log into the online tracking site ( XXXX ) and see that the claim is pending with a final decision to be made within 5 business days. 

Several more weeks later, on XXXX XXXX, I follow up with the credit card company and I am informed that the complaint should be handled by the end of the week, and I should see a decision on my claim. 

Again, several more weeks pass, and still no movement on the claim being resolved. 

I call Chase again on XXXX XXXX, and they had still not processed the claim, or made any movement whatsoever. The status was still the same as when I had called previously on XXXX XXXX. 

My worry is that per my guide to benefits, the claims must be filed within 21 days of the date of the sale advertisement for the claim to take effect. My claim was filed well within that timeline, but due to the long turnaround time, I worry that if Chase denies the claim due to some sort of a paperwork error, I will not be able to refile the claim as I am outside that window. 

In addition, per the benefits guide, a claim file is only open for 60 days from the date of the claim. Due to the long turn time from Chase, there are only approximately 5 days left before the claim file is closed. 

In addition, as a member of the XXXX XXXX XXXX on XXXX XXXX, I am about to conduct a XXXX move to a different duty station within the next 30 days. I am worried that because this process has taken an extended amount of time, any refund check that Chase will send to me will get lost in the mail forwarding due to my change of address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-21 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: CA

Complaint narrative:
2 years ago i XXXX XXXX XXXX Filed a Bankruptcy and my loan. now every time my brother applies for his own credit he gets denied because they see my history i wan na know if its our social security thats mixed up or our names.

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 2017-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Caliber Home Loans holds the mortgage for my principal residence. For unknown reasons, and without notice or explanation, Caliber paid approximately {$14000.00} to XXXX XXXX and the State of Maryland. The property tax bill was only ~ {$2500.00}. No explanation for the egregious over payment has been provided. Instead, Caliber contends that I am responsible for its error.

Company response to consumer: Closed with explanation