vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-25 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: NC

Complaint narrative:
Since the XXXX XXXX news of personal data at Equifax being hacked, I have been trying to obtain a credit freeze with the company. I was able to request similar credit freezes with XXXX and XXXX through web pages, in about 5 minutes each, but I am completely unable to get through to Equifax about a credit freeze -- on the web or by phone. 

First I tried the obvious site, www.freeze.equifax.com. I recorded name, address, birth date, and Social Security number on the first page, titled " Place, Temporarily Lift or Permanently Remove a Security Freeze. '' The second page that comes up is titled " Place, Temporarily Lift, Replacement Pin or Permanently Remove a Security Freeze '' -- but the only options all have to do with LIFTING a security freeze, NOT placing one. Thinking this was a website glitch, I kept trying the page on consecutive days for more than a week, but an option for placing a freeze has never appeared. I also tried two different browsers, but the result was the same. 

Today I decided to try calling Equifax since the website does n't work. I tried three different numbers, at which no one could help. Someone at the first number ( XXXX ) referred me to a second number ( XXXX ), which was a recorded message about requesting a credit report. A third number ( XXXX ) is only effective during business hours, so I 'll have to call back tomorrow. 

Meanwhile, I did have success with an Equifax site that allowed me to put basic data in and learn that I 'm probably not at risk -- but given my poor experience with customer service so far, I do n't believe I can trust that message. 

It almost seems as though Equifax is deliberately making it difficult for consumers to get any kind of help with security freezes... although, of course, it 's very easy to subscribe to their own credit monitoring plans. I feel as if I am being stonewalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Credit card balance has always been paid on time, never late. XXXX XXXX XXXX, I started having issues with Capital One stating I had not paid my balance. When this would happen I would directly contact my bank which would in return send the necessary and requested statements to Capital One showing the tracking number and when the payment came out. In late XXXX XXXX, Capital One contacted me stating again that my account was past due. At that point I thought the best option was to pay the balance ( again XXXX and according to Capital One they would issue me a refund check once the initial problem had been resolved along with the accuring interest that would totally just over {$900.00} for everything. Every time I called Capital One I would get another story about them processing the paperwork and that my refund and new card would be issued within the next month. Every week I would contact them and find out what the update was. I have been in contact with the fraud department at Capital One since XXXX XXXX and I have yet to receive my refund or my new card. I also asked if they had cleared my credit the the XXXX main bureaus because I did not what it to be affected because of something that was out of my hands. Over the past month I have called Capital One almost on a daily basis to see what the hold up is and this past week XXXX XXXX, XXXX, I was told to expect the card and refund by XXXX no later than today. At XXXX p.m. XXXX XXXX XXXX I realized that yet again I have been lied to about what is actually going on so I called and spoke with the company yet again. This time I was informed that they could see a card had been issued but no tracking number could be found. I also asked about my XXXX XXXX considering I have spent some time improving it. 

I just want my credit cleared and my refund issued back at this point. If you could look back at my payments with Capital One you will see that all my payments were paid immediately after a purchase cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX sent formal dispute letters to state formally I dispute all negative accounts on my credit report. XXXX XXXX sent more letters which required all negative accounts to be removed because the negligence to report correctly as stated in the Fair Credit Reporting act and negligent to provide me with any verification of admission of debt. It has been passed 60 days since my first letter and yet been able to remove negatives from my credit report thus breaking the 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 2017-09-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX sent formal dispute letters to state formally I dispute all negative accounts on my credit report. XXXX XXXX sent more letters which required all negative accounts to be removed because the negligence to report correctly as stated in the Fair Credit Reporting act and negligent to provide me with any verification of admission of debt. It has been passed 60 days since my first letter and yet been able to remove negatives from my credit report thus breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have numerous banking relationship with Chase for many years including some Credit Cards, and auto loan. However, I was late on a monthly payment of {$59.00} XX/XX/2017. 

*I was XXXX XXXX XXXX ( attached Birth Certificate ) *I worked until the last 2 days prior to I XXXX  XXXX XXXX XXXX XXXX * I have enough money in the bank ( attached new address with proof of Fund ) *I also had moved twice during that 6 months period ( attached/proof of Fund ) *I had already notified Chase with my new address prior to my move. And I was late for my monthly payment because I did not received any monthly statement at my new address. 

Chase responded that they have no record of any address update request during that period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
On XXXX I received a {$25000.00} loan from XXXX XXXX XXXX XXXX XXXX to fund a new construction pool at my residence ( XXXX XXXX XXXX XXXX XXXX AZ XXXX ). The loan number is XXXX and was funded on XXXX. On XXXX XXXX XXXX filed a 'Deed of XXXX ' with XXXX XXXX and the recoding number is XXXX. 

On XXXX I took a {$65000.00} second mortgage with Ditech XXXX XXXX Mortgage XXXX XXXX Ditech loan number XXXX ) and they paid off the XXXX XXXX XXXX XXXX XXXX loan listed above. However, XXXX XXXX did not submit a 'Deed of Reconveyance ' with XXXX XXXX after the loan was paid. 

I can not sell my home and/or refinance my home with this lien/deed of trust still active. XXXX XXXX has since changed names to XXXX Bank and I have tried multiple times to contact them with the phone number provided on their website for customer service. The customer service representatives I have spoken to have no knowledge of the original loan in question since it is not listed in their database.

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 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc.
State: CA

Complaint narrative:
A previous complaint about Seterus was closed by them with response to my concerns as follows : - to the concern that they are reporting a couple of months as past due on a sold property on XXXX/XXXX/XXXX, their response was that they did n't get their money until XXXX XXXX. If you sell something and it takes a couple of days for the credit card company to get the money into your account, the date of sale is when a contract or a transaction took a place. Per the attached document, the house passed to another owner and a bank on XXXX/XXXX/XXXX and as of the morning on that date I was no longer the legal owner for that property. However, Seterus presented an account history showing they got their money on XXXX XXXX, so according to them though there is a legal document showing XXXX/XXXX/XXXX as the date of the sale and exchange of ownership they go by when they got their money from the buyer 's bank. 
- to the concern that according to the law they have to report the loan status as " short sale '', they report it as " foreclosure proceedings '' in order to maximize the damage on an individual 's credit report. In their response they argue foreclosure proceedings had started, however, there was not a single document presented to me that such proceedings had ever started. In addition, they are supposed to reflect the current status of the loan and they keep reporting " foreclosure proceedings '' as if a foreclosure is pending on the property.
If those two items are not corrected, legal means will be taken to seek correction and damages from the delayed correction of these inaccuracies.

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 2017-09-26 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: IL

Complaint narrative:
A few months I disputed an unknown debt with XXXX XXXX and it was removed from my credit report. Now, late XXXX or early sometime this month, the debt was added back to my credit report under the collections agency of XXXX XXXX. I disputed this recent debt earlier this month and it was n't 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 2017-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have had my account with Discount Tire # XXXX and Care Credit # XXXX for many years now. I have always paid them on time every month. Synchrony bank issues these credit cards. They issued them with a {$1000.00} credit limit. They have recently decreased my credit limit on both cards to {$500.00}. I do not understand this. I have had both cards with balances up to the {$1000.00} limit and paid them both down. The Care Credit is almost paid off completely but they still decreased my credit limit. I feel this is not right and I was not notified. If I make my payments on time and use the card regularly, this should not be happening. I believe I am being treated unfairly due to facts I am not aware of nor knew about when I signed up for the cards.

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 2017-09-26 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: CL Holdings LLC
State: IL

Complaint narrative:
A few months I disputed an unknown debt with XXXX XXXX and it was removed from my credit report. Now, late XXXX or early sometime this month, the debt was added back to my credit report under the collections agency of Jefferson Capital. I disputed this recent debt earlier this month and it was n't removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: NC

Complaint narrative:
This company has tried to collect an unverified debt I have tried to solve this matter with the company several times and was actually advised by one of their former employees that they try to collect extra payments from past tenants after they lawfully finish their lease. They have sent over copies of another customers lease agreement and contact information. I am a XXXX veteran who has been unfairly taken advantage of and i need help this company deserves to be fined for trying to take advantage and overcharge consumer with fake charges.

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 2017-09-26 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:
I contacted Equifax in regards to a company, called XXXX XXXX XXXX XXXX that has listed a payday loan on my credit report for $ XXXX.I told them this should not not be on my report.I never received any response from them in them in regards to my dispute, it has been more than 30 days.I also told Equifax, that I had paid this loan, more than I owed these people, and I donot owe them any money, apparently they did not do an investigation.I am not sure of the exact date, I contacted Equifax, except in was in XXXXXXXX XXXX, it is now XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: ND

Complaint narrative:
I am a victim of identity theft. My XXXX credit card account : XXXX was lost/stolen. The balance of {$2500.00} is all fraudulent and unauthorized charges/transactions. The following hard inquiry is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/2017.

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 2017-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX, 2017, I received an electronic communication stating that Capital One 360, an internet based bank, wanted to transfer my money to an undisclosed third party. The bank stated that they placed an electronic block on the account. Therefore, I did not have access to my account. To this date, they refuse to remove the electronic block. They also stated that they closed the account without evidence or due process. They also refused to provide records such as bank statements. The checking account number is XXXX. The account still has funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was scammed by a PayPal user with this email XXXXXXXXXXXX He was meant to send me something in return. I made a mistake by sending the money as goods and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: SC

Complaint narrative:
Department of labor sent me a direct deposit. To my checking account keybank closed my account.i been trying to collect my balance for three months everytime i call keybank tells me that they dont have to talk to me.i just want my money.my account didnt have a negative balance .i dont understand i just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I had a collection placed on my credit report by Diversified Consultants, XXXX. XXXX XXXX, XXXX, FL XXXX, phone ( XXXX ) XXXX. The collection is for {$43.00} on an account that does not belong to me that was apparently originated by XXXX for an unpaid cable television bill. I called and told Diversified that it was not my account and they said I would have to call XXXX. I called XXXX and they said I would have to get a police report and report it as identity theft. I cant make a police report if it is purely a XXXX mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 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: ND

Complaint narrative:
I am a victim of identity theft. My XXXX credit card account : XXXX was lost/stolen. The balance of {$2500.00} is all fraudulent and unauthorized charges/transactions. The following hard inquiry is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/2017.

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 2017-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I opened a line of Credit at Macy 's department stores. I had set up direct payment of the full balance every month from my checking account into the Macy 's department credit account to pay it off every month. I was not knowledgeable that I was also enrolled in the credit protection services provided by CITI bank. However, when I tried to use the services of this program and submitted the proper paperwork I was denied the benefits. I called many times to cancel the benefits, and yet they still appeared on my account.
The total experience I have had with this matter has resulted in me losing many deserved credit related opportunities, has cost me thousands of dollars in trying to fix this account, and no reprimand or understanding from either party. I still have a debt collected over my head and on my credit report that I constantly have to battle everyday since.

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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax refuses to place security freeze on my account. Their phone system is n't working. Their online system throws errors, and tells me to send them mail. I 've sent them mail, and got a generic response, that I need to send them my personal information, that I just sent to them. 0 information about what was missing. 

No ability to speak with any human. They 're only credit agency that refuses to put a security freeze.

Company response to consumer: Closed with explanation