vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Thedateoflastactivityisincorrect.Howcanthisaccountbechargedoffanditstillshowingaremainingbalance!Whydoallthreecreditbureaushavedifferentaccountbalances..Ipaymyaccountsonamonthlybasis.WhattheyreportiscompletelyINACCURATE,INCOMPLETEANDUNVERIFIABLE.NotonlyCreditBureausviolatedfederallawbynotproperlyinvestigatingwithintherequiredtimeframe,includingNegligentEnablementofIdentityFraud..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 2019-07-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX  XXXX XXXX ( two trade lines, the same creditor )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This morning I was placing credit freezes on my credit reports at XXXX, Experian, & XXXX. I had no problem putting freezes on my report at XXXX and XXXX. Experian did not allow me to place a freeze on my report. Their webpage is confusing and attempt to direct you to a paid service to place a freeze on one 's report. They should be made to make it easy to locate the area for a free credit freeze per the law. 

After I located the correct area to place the freeze and completed the form it took me to another form which stated they were unable to place the freeze and gave me instructions to send them a certified letter to complete the freeze. This is unacceptable. They seem to be making it intentionally difficult to provide this mandated free service. 

When you attempt to call them their system takes you on a multi-minute phone tree which at the end disconnects the line. Unacceptable.

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 2019-07-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I contacted this company this morning about settling a debt for a hospital visit. I stated my only options for payment considering I am not currently working and therefore I do not make a pay check as of this moment so the payments would be coming from somewhere else. I conveyed this to the creditor and asked for {$15.00} a month payments and a letter sent to me verifying it. When I stated it would be paid by someone else who would not want their personal credit card in a collectors file, he told me they couldnt send me the letter. I asked why he stated they need it in file in order to agree. It is not that company nor any others place to demand such a personal private thing from others to be save in thier files from people not associated with this account. I made the attempt and this creditor refused to cooperate. 

Creditor : PENN CREDIT CORPORATION ID NUMBER : XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX P.A. XXXX THIS COMPANY REFUSE TO COOPERATE WITH ME ON GETTING THIS BILL FINALLY PAID TO AVOID GOING ON MY CREDIT. I AM FILING A COMPLAINT UNDER THE BEST OPTIONS YOUR COMPANY HAS ALLOWED ME TO CHOOSE FROM. PLEASE HELP. I REALLY WANT TO SETTLE THIS DEBT BUT THIS HAS TO BE ON MY AFFORDABLE TERMS CONSIDERING MY CIRCUMSTANCES WITH THIS INJURY. 

PLEASE HELP. 

Thank you for your time and efforts on this very important matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST MIDWEST BANCORP, INC.
State: IN

Complaint narrative:
I'm tried to withdraw money from my XXXX account but I was using First Midwest ATM machine on XX/XX/2019 at XXXX XXXX. Their ATM machine jammed and didn't disburse the money but they had deducted funds from my XXXX account. I waited until they open at XXXX XXXX to try to get my money from them. They refuse to help me and told me to call my financial institution to file dispute claim which will take up to 10 business days to investigate and 30-90 days to put the fund back to my account. I need my money and I can't wait that long. It's thier ATM malfunction and they refuse to do anything at their end because I'm not the First Midwest customer but they deducted the money from my account and charged me XXXX for ATM fee.

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 2019-07-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be 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 explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
1-I closed my account with Discover Credit Card. They confirmed this closure by email ( attached ) on XX/XX/XXXX. 
2-They send me an email stating that I paid off my {$2000.00} ( the whole credit ) -attached- 3- They charged me -after closure- an amount of {$160.00} after closure. -a statement is attached- I want my {$160.00} back and final closure of my account with this company. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
In late XX/XX/2019 we received notification that our mortgage was transferring from XXXX to Loancare effective XX/XX/2019 with instructions to send XX/XX/XXXX payment to Loancare and use XXXX loan number if information is not received as to new loan number if not contacted by Loancare prior to the due date. Information was not received so initial instructions from XXXX were followed and payment was processed by bank through EFT on XX/XX/2019. Approximately XX/XX/XXXX we received a message to call Loancare. This was done and we were informed that we were delinquent on XX/XX/XXXX payment. We then informed them we had proof of payment and that it was sent using XXXX loan number. The representative then was able to trace payment and said it would be corrected within 3 business days and also provided me with the new Loancare loan number since we still didn't have any correspondence. Since that time we have continued to receive phone calls on this delinquency and despite each time being promised they would " escalate '' the issue to have the payment " recognized '' the payment has not been recognized and calls have continued on a mostly daily basis. Please note that when calls are made there is never a person making them but are just robocalls ( Loancare 's term ) asking for us to return their call. Upon making those calls it normally takes anywhere from 10 minutes and longer to actually get to talk to a person and we are then immediately told the payment is delinquent. They posted our payment made on XX/XX/2019 as XX/XX/XXXX payment and calls stopped for 5 days and then began again as " XX/XX/XXXX payment not received ''. Since it is now 50 days since they received XX/XX/XXXX payment and approximately 30 days since we were promised their error would be fixed that their daily phone calls are basically harassment on their part. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX   XXXX ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX XXXX XXXX  ( two trade lines, the same creditor )

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 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I am receiving an abundance of calls from Aargon Agency Inc. I have requested they ( he XXXX XXXX ) stop calling me. I'm not in debt with anyone and I don't know what the debt is for. I have not received a collection notice what so ever in the mail so I am not sure what the calls are in regards too-he keeps calling me after I personally advised him not too. He wont advise me what the debt is for.

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 2019-07-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I tried disputing the inquiries on my credit report but Experian does not let me dispute any of the inquiries online. I need the highlighted inquiries attached to this complaint to be 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 explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: SC

Complaint narrative:
Due to extenuating circumstance in my immediate family, I took out a payday high interest loan with Blue Trust Loans {$1600.00}. I now realize these loans are of no benefit to working families. My father was hospitalized from XX/XX/2019 through the end of XX/XX/2019. This loan was taken out to provide needed resources to my mother with massive medical financial constraints of my father 's care. I took out what I thought to be a short term loan with hopes of an early payoff. After a few large direct debits from my bank account I examined my balance and was looking for an early payoff. There is no early payoff per se. The balance is now showing a pay in full balance of {$2400.00}!!! I refuse to pay {$2400.00} on a loan in which I have already paid over {$700.00} since XXXX. I called BlueTrust at the end of XXXX and most recently in XXXX to request a payout and payment plan to pay off the balance, they refused to update my account balance and offer a payout that aligns with my payments. They have continued to attempt drafting against my bank account.

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 2019-07-25 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: PA

Complaint narrative:
I filed a dispute on XX/XX/2019 and have not heard anything. It still has pending on my status. I can't get a hold of anyone to talk to about my problem. Keep getting that they are unavailable. The chat tells me to call a number and I can't get anywhere. I need this resolved so I can get repairs done to my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In the mail, I saw a letter addressed directly to me from American Express, stating that I qualify for XXXX bonus miles with the expectation I spend a certain amount of card spend within a given time if I sign up. 

I thought that was great, so I chose your card. Over the last 5 or so months I have put 10 -15 thousand dollars on that card, paid on time.

Despite spending over the minimum, I never received my bonus miles, so I decided to call in a month or so ago, and the agent said that my miles are on the way and to just wait 8 12 more weeks ( spend more money on the card ). I waited weeks and spend several thousands more, and called again today to see if the miles were to be included soon.

On that call, I come to find out that I never even qualified for the bonus miles, Amex had known from the beginning that I would not qualify because I owned a similar card years before. No one ever told me I didn't qualify, they just kept saying to wait and wait and the points are on the way.

This was very disappointing, and in my opinion a very unethical business practice. I would have canceled this months ago and signed up with another had I known this to be the case.

For starters, If they knew I had a similar card before and knew my address and name, they knew they were offering me something I didnt even qualify for, hoping I would sign up, spend a lot of money and later find out because of a rule I was unaware of, that I would never even earn the miles. I never would have signed up had they not sent me that letter, I would have put my 10 -15 grand elsewhere.

On top of that, because I was told by their agent that the miles were on their way earlier and I waited and waited. Not only was I misled into signing up, I was misled into keeping the card longer, therefore being coerced into spending thousands of dollars on a card under the premise of false promises.

I reached out to Amex after all of this and they said they would do an internal " investigation '' that would take 6 -8 weeks and during that time I would have to keep my card active. Meaning once again they just want you to keep the card keeping spending money and never actually give you points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a coupon which said " open or upgrade to chase sapphire banking account. transfer a total of {$75000.00} and maintain it for 90 days. Then I will get XXXX ultimate rewards bonus points. So I upgraded my account at a chase bank with the coupon and transfer {$75000.00} to my account on XXXX XXXX. Now 90 days past I have not received any points. I called chase customer service they said I have to to the branch which I opened my account to solve the problem. Then I went to the branch. A banker checked my account and told me the person who upgraded my account did not apply the coupon successfully. That's why I have not received the coupon. This is really wired because I saw the person who upgrade my account type in the coupon. And it is the bank 's fault. They said I can't get what they promise just because their mistake. this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never heard of this company before. I am not the owner of the student loan from XXXX I contacted Transunion and address the issue but all they sent is a paper trail showing the accounts and that it has been verified.  Insufficient information. I requested Method of Verification -  evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for..

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 2019-07-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX  - partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX   have not removed this from my credit report. I have contacted the bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be 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 explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
I told then on XX/XX/19 at XXXX XXXX when they called from a restricted number to not call me at work. TodayXX/XX/19 I arrived to work from a doctors appointment and my coworker tells me someone called his phone asking for my extension so he forwarded them to my phone to where they left a voicemail at XXXX XXXX.

Company response to consumer: Closed with explanation