vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
OVER THE YEARS, THERE WERE MULTIPLE PROBLEMS WITH MY CREDIT REPORT. SO I HAD 2 BIG ISSUES I WANTED ADDRESS AND A FEW OTHER ISSUES. BECAUSE OF THE WAY THEY MISHANDLED MY DISPUTE INVESTIGATIONS IN THE PAST, THE ACCOUNTS, INQUIRIES, AND PERSONAL INFORMATION I CHALLENGE XXXX TO DISPUTE FOR ACCURACY AND VALDATION AND VERIFICATION. THE SECOND MAJOR ISSUE WAS IF THEY CAME BACK VERIFIED, THAT I WANTED A DETAILED METHOD OF VERIFCATION AND I ALSO REQUESTED IF VERIFIED TO GIVE ME THE DOCUMENTS THAT I REQUESTED. I HAVE MAIL IN DISPUTES AND THEY SAID THEY DIDNT RECIEVE IT. ITS ALWAYS A EMPLOYEE FROM XXXX AND THEY DISREGARD ANYTHING YOU SAY. 1. I DISPUTED INQUIRIES FROM XXXX AND TOLD THEM THAT I DIDNT AUTHORIZED THESE INQUIRIES. THEY SENT ME BACK A LETTER SAYING INQUIRY IS A STATEMENT OF FACT. SO I CALL THEM BACK AND WROTE THEM ASKING THEM TO DISPUTE THE INQUIRIES AND THEY SAID THEY ARE NOT DOING IT. 2. 3 BANKRUPTCIES THAT I ASK TO DISPUTE FOR ACCURACY AND I ASK FOR FULL DETAILS OF THEBANKRUPTCY INCLUDING THE PAPERS THAT WERE FILE, AND THE METHOD THEY VERIFED. THEY DID NOT GIVE ME THAT INFORMATION BACK IN 30 DAYS SO THEREFORE BY FCRA LAW, IT MUST BE DELETED. THEY ALSO SENT A LETTER BACK ONLY SAYING VERIFIED. 3. I DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX FOR ACCURACY AND THEY ARE ALSO IDENTITY THEFT. I FILE A IDENTITY THEFT REPORT ON THESE ITEMS ON X/X/17. FIRST THEY TELL ME THEY AINT RECIEVE THE DOCUMENTS. NOT BY FAX OR EMAIL. I EVEN HAVE A EMAIL CASE # FROM THEM BUT THE XXXX EMPLOYEES SAY THEY HAVE NO CLUE WHAT IM TALKING ABOUT. 4. XXXX XXXX ACCOUNT. I DISPUTED THE LATE PAYMENTS ON THE ACCOUNT. ACCORDING TO THE FCBA IF I MOVE THAT THE MUST SEND THE STATEMENTS TO MY NEW ADDRESS. ALSO IT IS IN DEFERR STATUS AND I ALWAYS KEEP MY DEFERR STATUS UPDATED. XXXX DIDNT EVEN FOLLOW THE DISPUTES THAT I REQUESTED. XXXX ALSO DID THE SAME STUFF. ALSO EXPERIAN. BUT EXPERIAN HASNT RECIEVE MY IDENTITY THFT REPORT YET, BECAUSE THE ONLY WAY THEY CAN RECIEVE IT IS THRU MAIL.

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 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: KS

Complaint narrative:
I met with a HUD approved credit counseling agency in XX/XX/XXXX and setup a payment arrangement with Debt Recovery Solutions for a prior XXXX balance. I sent the money directly to XXXX paying {$50.00} per month since XX/XX/XXXX. When I realized I had been sending the payments to XXXX, I contacted Debt Recovery Solutions in XX/XX/XXXX and sent a letter via certified mail to have the money sent from XXXX to Debt Recovery Solutions per the instructions of XXXX XXXX with Debt Recovery Solutions. After no response, another letter was sent to Debt Recovery Solutions on XX/XX/XXXX that was sent certified mail and again no response. I attached all the payment receipts and this debt has been paid in full, however, is still reporting to the credit agencies. I tried to call Debt Recovery Solutions again today, XX/XX/XXXX, and was hung up on twice ( after being very cordial and only asking for an update ). On my third attempt, a gentlemen referred me to call XXXX XXXX who is handling my case at XXXX. I called that number and there was no answer and no voicemail to leave a message. I am not sure what to do at this point to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am currently in the process of attempting to get a mortgage. My mortgage was originally derailed in XX/XX/XXXX when an account for a collection from XXXX XXXX XXXX showed up on my credit report, which tanked my score. This account was reported to my credit without the collections agency ever contacting me via phone or at my current address. I called the collections agency to clear this up, the agency admitted that they were in the wrong, and they agreed to delete the account from my credit report. This was on XX/XX/XXXX. I have made multiple follow-up calls to the credit reporting agency to inform them that the account is still on my credit report. They assured me they sent the deletion notice ... once on XX/XX/XXXX and again in XX/XX/XXXX. Still, the account remains on my credit. I contacted Experian to resolve this over the phone after the collections agency sent me a letter confirming the deletion. Experian said that in order to even look into the issue, I would have to file a formal " dispute. '' I explained that I could not do that as it would further delay my getting a mortgage because the dispute process can take up to 30 days and that the bank will NOT issue a mortgage with an open dispute on my credit report. Experian 's representatives and supervisor subsequently refused to do anything about the issue, saying I would have to file a dispute. This is despite my offering to furnish the letter from the credit reporting agency, or to join in a conference call with the agency to confirm deletion of the item. Experian wants me to engage in a dispute process that could take 30 days and will further delay the mortgage, after their error, and the error of the credit reporting agency. I want this account OFF my credit report NOW or I want damages for the full value of the mortgage, rental incomes into perpetuity, and damages for intentional infliction of emotional distress.

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 2017-08-09 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: SC

Complaint narrative:
XX/XX/XXXX- Phone call to TransUnion to have unauthorized inquiries removed after informing them that I was a victim of their inquiry problem. Representative stated that she 's unable to help. XX/XX/XXXX Phone call to TransUnion to have unauthorized inquiries removed agains stating that I am a victim of their inquiry problem. Representative stated that he 's unable to help.

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 2017-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
During my investigations into a fraudulent withdrawal, I discovered erroneous billing through my credit card. I had booked a trip through a travel agent and paid with my credit card for {$4300.00}. There was an existing balance of about {$4000.00}. Later on that week. I had made a cash payment on the credit card for {$4600.00}. However, I recently discovered that Wells Fargo did not charge my card, rather issued a cash advance. My payment of {$4600.00} was allocated to my purchases and not my higher interest rate cash advance balance. This error increased my interest charges unfairly and outside of the scope of our agreement.

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 2017-08-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: J Northland Group
State: MA

Complaint narrative:
The Company in question 'Northland Group ' had a rep named XXXX XXXX ' leave a voicemail on my work phone stating they were contacting me regarding delivering legal documents out to my home and place of employment. They left a case number XXXX ' for reference and ended the message that I have now been 'notified ' as if this was some sort of legally binding notification. I promptly called the company back at XXXX per their voicemail. I asked for additional information, i.e. who is their client and what debt is this and from when? They claim I took out a payday loan in 2005 which I 'm not aware of. In any event, it 's well past the standard statute of limitations. I suspect this company has bought a list of old debt or this is a scam. Either way, they are going after a debt illegally and threatening to sue if I do n't make due on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: TX

Complaint narrative:
Under the new law effectively XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear on my credit file. The Credit Bureau has  not updated the information per the new law. I 've contracted XXXX, Transunion and XXXX on several occasions in reference to this matter and they have yet to remove the item. Each send me a response saying that they are still investigating the matter. I 've been disputing this error with all three Bureaus since XXXX 2017 and nothing has happen. True Bankruptcy listed does not include this information and should be deleted immediately 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 explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
XXXX has referred a bogus debt of XXXX to a third collection agency. This has a been the subject of a prior claim with you~and supposedly resolved, only to arise again. See claim #XXXX and #XXXX.Also XXXX and .....XXXX. The XX/XX/XXXX response indicates that the matter has been resolved. This third inquiry and demand for XXXX is harassment and is intentional on behalf of XXXX. Please stop 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 2017-08-09 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:
I was supposed to receive XXXX skymiles and {$100.00} statement credit if I spent {$1000.00} in 3 months. American express has said I have met all the requirements but will not credit my account. They keep telling me they will research the problem. I met the requirements on XX/XX/XXXX. They say it takes 6-8 weeks after that and it has been 12 weeks. I have called several times and they just say to call back and check later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There is a bi-weekly deduction taken from my XXXX as I work for the XXXX XXXX XXXX ( XXXX ). I did not create this account which is over ( 16 ) years old now. It is deemed as being a " Savings Account ''. The bank to which my money is going is clear with all details available to me. The problem is that no one at the bank will talk to me stating " my name is not on the account ''. Well, you can see my dilemma. I 'm working with the XXXX XXXX XXXX XXXX ( XXXX ) and other organizations to remedy this matter. I have a trail of accurate, damning information for those responsible if anyone will take the steps to hold them accountable. I do n't bank with the institution that 's been taking money from my account for over ( 16 ) years. I use another bank to deal with all of my banking needs. Please advise, XXXX XXXX XXXX Email : XXXXXXXXXXXX

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 2017-08-09 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I made a payment on my Chase Slate VISA credit card account in the amount of {$9.00} on XX/XX/XXXX, which XXXX the account. I should have received a statement showing that payment on XX/XX/XXXX but no statement was produced. I E-mailed Chase several times starting on XX/XX/XXXX and they tell me they do n't produce a statement on XXXX balance accounts. But whenever there has been any activity on a credit card, the credit card company should be sending a statement showing that activity and most do. I keep complete records for all my credit cards and credit accounts. When applying for credit, such as a home equity loan, creditors require copies of my credit card accounts, especially showing XXXX balances. The last correspondence I had from Chase was on XX/XX/XXXX, from Senior Service Specialist " XXXX '', again refusing to send my statement either in .pdf format online or hard-copy via surface mail. This is spite of the fact that looking online, I can see my payment transaction listed there for " XX/XX/XXXX statement ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law the discharged/dismissed Chapter XXXX bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I have been receiving multiple phone calls since XXXX 2017 from Receivables Performance. At all hours of the day & night. The calls sometimes started at XXXX or XXXX XXXX & have n't ended after XXXX XXXX. These phone calls are on my home phone & cellular phone. It has caused me unnecessary XXXX. I NEVER received a letter from this company I only found it on my credit report when trying to find out who these people we 're. I also searched on the internet for the phone numbers they we 're calling me from. They also call from a foreign number which has three to seven digits & they made me go through lot 's of thing 's in order to have them identify themselves. I have been repeatedly stalked by different men through the years so, naturally I assumed it was someone from the past trying to find me. I got very scared to the point I had difficulty sleeping due to the XXXX. Most of the time the person calling is a robo call or in the rare occasion it is a person they will only say their first name. I have blocked their phone calls for a while but, sometimes they get through on other phone numbers. In one day I bet I was called at least 10 times. I got very tired of dealing with these people. It grew quite frustrating. Acct ending in XXXX 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 2017-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express Serve Card Division STOLE $XXXX USD from Me on XXXX XXXX, 2017, at XXXX XXXX  E.S.T.  The transaction took place at XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX, Tel. XXXX XXXX.

Emails ( From: XXXX XXXX XXXX 
To: XXXX XXXX , XXXX
Cc: XXXX , XXXX 
Bcc: XXXX, XXXX XXXX XXXX , XXXX, XXXX , XXXX , XXXX , XXXX ) were sent to the American Express Company at XXXX XXXX, XXXX XXXX 2017 to which NO ANSWER was ever received.

Once again, AMERICAN EXPRESS stole $XXXX USD from Me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have 6 missed payments showing up on my report and I have not been late on this account. I pay them extra for credit protection in case an emergency comes up. This company offer customers the option of paying through XXXX XXXX but for some reason they will not post payments the same day. A year ago my job work load got light and I told them that I was not working my regular 40 hours and I wanted to use my protection plan and it seems like I did not get approved for it because I have these six late payments showing up.

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 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We obtained our first mortgage from Citi mortgage in XX/XX/XXXX at the start of the mortgage crisis. We pay XXXX for our home. We were fine until XX/XX/XXXX when I was laid off from my XXXX  job. Our house hold income decreased by 60 %. We were not able to keep up with any of our financial obligations. I collected unemployment from New York State. We could buy food and pay our utilities. I reached out to Citi mortgage for assistants and was not provided with any help. I applied for several modifications which did not help because we could only afford about {$500.00} per month. Our mortgage payment was {$2800.00}. Citi asked us to send documents upon documents every month. We were told that our documents had expired and that we needed to resubmit all documents. This happened 3 separate times. We were given the runaround. Citi mortgage was unable to help. In XX/XX/XXXX when attempting to reach out to Citi mortgage to try to modify the mortgage again, I was told that All bad debts were sold off and Citi was no longer servicing my mortgage. I had no idea what this meant. Three weeks later we received a Welcome packet from XXXX. at this point we owed more on our mortgage then the house was worth. The transfer caused a delay in the modification process but pre-foreclosure notices and repeated phone calls continued to be received daily. The ideas of losing our home and not having any place to live was extremely upsetting and XXXX XXXX. I became ill and was unable to look for work due to XXXX XXXX and XXXX. This added to the XXXX of finding a job. The house is currently worth XXXX and we owe more than XXXX. We filed for bankruptcy in XX/XX/XXXX and we still have a lien on the house. My health is still affected by this ordeal and I continue to take medication for XXXX and 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 2017-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law the discharged/dismissed Chapter XXXX bankruptcy listed does not include this information and should be deleted 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 explanation
Consumer complaint received 2017-08-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law the discharged/dismissed Chapter XXXX bankruptcy listed does not include this information and should be deleted 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 explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My ATM card was stolen and there were 3 unauthorized charges and several unauthorized ATM transactions. Citibank is giving me the runaround about the ATM transactions. They had no problem refunding the charges but they 're giving me a headache about the ATM transactions. Even though some of the charges were BEFORE the ATM transactions. I 've never used this account for ATMs. Anyway, I get this letter that says they tried to contact me for follow up and were unsuccessful. That ca n't be true, I 've received no communication from them. Anyway, the letter says to contact XXXX XXXX and so I did. She says I have to call and reopen the claim. So I call and they tell me that the claim was denied. Why would the ATM transactions be denied but the charges be approved? It does n't make sense.

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