vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-28 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I have an unauthorized inquire on my XXXX report. below is the information : Institution Information Amex XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date : Inquiry from XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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:
This is the 2nd time, in about two ( 2 ) weeks that I've had to file a complaint. I had requested through Transunion ( plenty of times ), to remove all disputed information, language from my credit report. Finally it was done, and then to my surprise, the language was placed right back on! What is even more surprising, is that the CFPB closed the case, and then right after, Transunion stated that I had 2 accounts in dispute, after I asked plenty of times through the CFPB and Transunion to remove the information. Can anybody help me? Is the CFPB going to step in and tell Transunion that I no longer want to dispute anything on my credit report? I'm really starting to lose faith in this process. Also, I've noticed that XXXX/XXXX continues to report that the account is in dispute, after I stated time and time again it wasn't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28 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: MT

Complaint narrative:
I applied for the American Express Gold Delta SkyMiles credit card on or about XX/XX/XXXX. 

American Express led me to believe the company would award me XXXX airline miles ( Delta SkyMiles ) after making {$2000.00} in purchases within 90 days of activating the new card. 

I made over {$2000.00} in purchases within 90 days per the terms that were advertised to me by American Express.

The entire balance of my AMEX account statements were paid in full. All payments to AMEX were made on time. 

I did not receive and have not received the awarded airline miles American Express advertised. 

On Friday, XX/XX/XXXX( XXXX XXXX. Mountain time ) I spoke with one of their representatives by phone. She read me terms that made me seemingly ineligible for the award which was not apparent to me at any time when I applied for the card via American Express online https : //online.americanexpress.com. I told her American Express 's terms were misleading and that I was going to file a complaint. 
Prior to my phone call with the AMEX representative, at no time did American Express notify me that I was not eligible for the award of the XXXX airline miles. 

In the application process, I never received notice nor was I ever alerted by American Express that I was not eligible for the award of XXXX airline miles. 

The terms expressed by AMEX 's representative on the phone to me were never made clear to me at any point in time. 

Had I known, or been properly informed in the application process by American Express I would not qualify for the award of airline miles, I would not have submitted or withdrawn my application for the American Express Gold Delta SkyMiles credit card. 

I was never informed in the online application process by American Express that I was ineligible for award of the airline miles, thus I was never given a fair opportunity to judge whether I wanted the financial product or not. 

American Express should have made it clear to me when I was applying, or at some point in the application process, that I did not qualify for the award miles. 

To the best of my knowledge, the foregoing statements are true, accurate, and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I used my chase credit card to pay for a one-night hotel stay on XX/XX/XXXX. The hotel charged my card for the amount of the reservation in full on XX/XX/XXXX, in the amount of {$110.00}. Weeks after I checked out, the hotel charged my card an additional {$74.00} on XX/XX/XXXX. I contacted the hotel about the charge and could not get them to respond or correct the erroneous charge, so I contacted chase and filed a dispute. This is a clear cut case of an unauthorized charge. The hotel did not have reason nor my permission to charge the card ANY additional amount after the conclusion of my stay on XX/XX/XXXX. Chase opened the dispute and asked me to provide a written statement by XX/XX/XXXX. I provided the statement on XX/XX/XXXX via Chase 's " secure message '' system. I got confirmation ( via an email receipt ) that my statement was received. On XX/XX/XXXX, chase sent me a letter stating that they closed the dispute and rebilled my account because they never received my statement. I called Chase on XX/XX/XXXX and spoke to two different supervisors, both of whom acknowledged that Chase received the statement and acknowledged that chase closed the dispute case in error, but they both stated there is nothing they can do about it and even though it is Chase 's mistake, they would not take any action to resolve the error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Noticed a medical debt collection on my credit report last year. Created a dispute in XX/XX/XXXX at which time Transworld Systems Inc. came back to find that the debt was indeed owed and would remain on my account. I noticed a 2nd medical debt from the same doctors office pop up in XX/XX/XXXX at which time I contacted the office and went to retrieve documents to prove the debt was never sent to collections and indeed paid in full with a balance of {$0.00}. 
The first debt has been reporting on my credit report for 9 months + and the company refuses to take off all the derogatory marks. I do NOT want this updated to {$0.00} I want all the remarks removed. I haven NOT been in collections over this bill therefore it should be deleted completely from my credit profile. 
The 2nd debt was just reported on XX/XX/XXXX. SAME doctors office and the bill was paid on the same day as the previous bill. {$0.00} balance with the office yet I continue to receive nasty threatening letters, phone calls and reporting. Please HELP!!!! This company has NO business handling collections or accounts for anyone. They are trying to scam me into paying them almost $ 1K. I want all of this taken off my credit report. I have uploaded these documents to the credit bureaus but was told Transworld Systems Inc. does the investigation and provides the results to publish on credit reporting. They are SCAMMERS and clearly trying to take money and peoples credit abilities. This is unfair. I have to spend my time chasing companies to help me get this resolved when in fact I OWE NOTHING to the original creditor and Transworld Systems INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They run mega technology to hord info, yet their simply ineffective www.Annualcreditreport.com does not provide the single free report from each agency. 
Each one error-ed out over and over. 

We have to call in. Why?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, I called my mortgage company to ask them to stop paying my local real estate taxes out of my escrow account because I was doing that now. 

On XX/XX/XXXX, my mortgage company paid my real estate taxes anyway, {$2000.00}. On XX/XX/XXXX, I closed my escrow account so they wouldn't pay any of taxes again. 

I then had to fight with my City to refund the extra tax payment. They did so by sending a check to my mortgage company on XX/XX/XXXX. XXXX. ( see e-mail confirming that ) So, I then started calling my mortgage company to get those funds. Each call lasted between 15 and 25 minutes. At each call I asked them to call my cell phone if there were any problems with my request. 

XX/XX/XXXX : they said they received the check but have not yet processed it. 
XX/XX/XXXX : same story XX/XX/XXXX : they have received it and will process my request XX/XX/XXXX : I was told there was a problem because the funds were deposited into a non-existent escrow account, so another procedure had to be started. And they would expedite my request and I should get it in a week. 
XX/XX/XXXX : I was told that it takes two weeks to process the request, so it should be done in another week. 
XX/XX/XXXX : I was told they sent me a e-mail on XX/XX/XXXX with some questions they needed answered. But I did not receive such an e-mail, but what are the questions and I will answer them. They said they didn't know, but they offered to start the process anew. 
XX/XX/XXXX : I called to tell them I was contacting my state Attorney General. 

My state attorney general said to file a complaint with the CFPB, so here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They run mega technology to hord info, yet their simply ineffective www.Annualcreditreport.com does not provide the single free report from each agency. 
Each one error-ed out over and over. 

We have to call in. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They run mega technology to hord info, yet their simply ineffective www.Annualcreditreport.com does not provide the single free report from each agency. 
Each one error-ed out over and over. 

We have to call in. Why?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an inquiry from comenity capital/dent on XX/XX/2018 showing up on my Equifax report that is not mine..I wrote Equifax a letter and never received a response in regards to the inquiry in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
In 2017, I leased a car for XXXX. I am currently making on time payments of XXXX dollars per month. I recently lost my job and have no steady income to repay the loan. I've made on time payments up until now and will do my best to get back on track.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
My customer number is XXXX. I requested a XXXX loan they so just gave me a XXXX loan. I was under the impression because this was during hard times and my dad just passed away that the loan payment would be once a month as normal payments are. But then come to find out they want to {$200.00} each payday XXXX a month. I am single I just had my roommates moved out so I am covering all of the bills on my own I asked if there was a way we could lower my payments since we couldnt make it once a month they said they said no they cant lower them at all nor can they make them once a month. I am single I just had my roommates move out so I am covering all of the bills on my own I asked if there was a way we could lower my payments since we couldnt make it once a month they said they said no they cant lower them at all nor can they make them once a month. As it is {$2600.00} loan inns up costing me almost {$8000.00}. during a time of hardship these people take it vantage of those who are in need of cash when its a hard time and thats a shame but I asked to work with them in some sort of way and they denied every way for me to work with them know they cant do anything they said. So that is why I am contacting you folks my name is XXXX XXXX my phone number is XXXX area code XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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: FL

Complaint narrative:
I noticed five inquiries on my TransUnion report that are not mine..I have requested for them to be removed but have not heard back on the matter as of yet..the listed below are the five inquiries.. XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Diversified consultants placed information on my credit report Ive never had a balance with diversified consultants my account with XXXX was paid in full well before it went to collections I paid XXXX directly and as of today XXXX still owe me a balance refund. This is fraudulent this company thinks they can just place things on peoples credit files that are in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are nine inquiries on my Equifax report that are not mine..my personal information has been compromise.. below are the inquiries that do not belong to me..XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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: OH

Complaint narrative:
I formally contacted Transunion by letter on XX/XX/XXXX and XX/XX/XXXX in regards to the following unauthorized hard inquiries on my credit file. 

1. XXXX XXXXXXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX   XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXXXXXX XXXX   XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX Unfortunately, these items has not been removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing about the discrimination by Bank of America and XXXX XXXX who are about to move forward with actions against the lawful financial activities of lawful American gun businesses to try and destroy them. This should not be allowed to happen under the law of the land The United States Constitution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXXI received a letter stating the bank was considering closing my account. I called the bank and spoke with a supervisor who assured me that as long as I use the card it wont close. I attempted to use the card today and was declined. I called the bank and spoke with a different supervisor who told me I was lying, I had never called the bank, And that he would not reopen my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX my debit card was stolen at the gas station, which I was unaware about. {$2800.00} was withdrawn from my checking account in multiple transactions from several different ATMs during the following several days. Upon my notice of the missing card on Monday, XX/XX/XXXX, I called Bank of America, stopped my debit card and opened the claim number XXXX with regards of unauthorized transactions and missing funds. No temporary credit was issued to my account, although I was assured that the company would investigate my claim. Within several weeks I attempted to call and speak with multiple representatives, with the reassurance from some of them that I would definitely get my money back, in 10 days, in two days, on Friday. I never got ANY money back and on XX/XX/XXXX I received the letter which stated : Weve completed our review of this claim and have determined that no error has occurred. Based on this information, were unable to credit your account and now consider this disputed transaction closed. 
It seems, that there is no recourse left from my side with Bank of America to protect my consumer rights and get compensated for the funds lost.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: TX

Complaint narrative:
I took out a short term payday loan with this company. I did not realize they had no recourse for early payoff and would make me pay a total of 20 payments in the amount of XXXX. I borrowed only {$650.00}. When my paydate came at an incovienent time, I tried to resolve it by asking for a 4 day extension of my payment. To this date I have make 5 payments of {$190.00}. I was told I could skip one payment but they did not tell me until it was too late and loan payment was being processed through my bank. The payment was returned and I had already explained that would be the case and I could not control it. So far I have paid over {$960.00}. I understand they need to make money, but the fees are exorbitant and present a hardship for me. It is my error, but I also have never encountered a situation where there was no reduction in payment for early payoff. I am happy to pay what I borrowed, but I don't think paying over {$3000.00} makes complete sense. At this point they are saying I still owe over {$2900.00}. I am not naive to payday loans, and its not always the best use of my money, but it was a circumstance that I needed to borrow the funds. Is there any recourse for this situation that can help to mitigate these high charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: DC

Complaint narrative:
I switched to another phone company and was told that I had been billed and paid all from XXXX XXXX. Then a few months later I received a letter from them saying I owed XXXX dollars on the closed account.

Company response to consumer: Closed with non-monetary relief