vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 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: FL

Complaint narrative:
I paid several credit cards before it went into collections. Also the ending amount was inaccurate. I have told all credit agencies to update or remove from my credit report. I would need validation, not the same comment this is true from the company. They never reach out to the company.

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 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I recently opened American Express credit card because they had a promotional offer of {$200.00} statement credit if {$1000.00} is spent during the first 90 days. I followed the rules and spent over {$1300.00} within the first 90 days. I recently came to find out that, after they made me spend over {$1000.00}, they denied me to give me the {$200.00} statement credit they promised me. I even remember chatting with one of their representatives on XX/XX/2021 asking him or her when I will get my {$200.00} statement credit and I was advised within 8-12 weeks of spending the {$1000.00} within 90 days. When I was chatting with the representative, I spent about {$600.00}. So, I wasn't there yet. So, I thanked him or her and continued putting charges on my credit card. Why are they making customers sign up by offering a promotion but then deny the statement credit after customer spends whatever amount they were required to spend? I will include my chat conversation with the American Express representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit agencies are Not contacting the company and I have inaccurate reporting. First they had a Ghost freeze on my account that No one I mean No one could see but All a sudden after years I was about to see. I need for all inaccurate reporting to be remove immediately.They are hiring Unhonest not loyal lazy employees that wait almost until 30 and say that they contacted the company and its accurate they are wrong to lie. Please investigate, send a Whistle blower etc .Can not dispute with XXXX because they have that you already disputed. This needs to stop credit reporting agencies are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Informative Research
State: TX

Complaint narrative:
The following company informative research applied several hard inquiries to my credit report without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: FL

Complaint narrative:
The credit agencies are Not contacting the company and I have inaccurate reporting. First they had a Ghost freeze on my account that No one I mean No one could see but All a sudden after years I was about to see. I need for all inaccurate reporting to be remove immediately.They are hiring Unhonest not loyal lazy employees that wait almost until 30 and say that they contacted the company and its accurate they are wrong to lie. Please investigate, send a Whistle blower etc .Can not dispute with XXXX because they have that you already disputed. This needs to stop credit reporting agencies are fraud

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 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
Hi all, On XXXX XXXX, XXXX, I called the debt collection company " ARS national service , Inc '' provided my account information regarding the settlement amount of {$7500.00} I have owned. All the phone call was recorded by them at the same time. I have spoken to one of the representatives saying that I was ready to pay off, and been told that the money was ready to run on that day. However, on XX/XX/XXXX, I have received a summons from XXXX XXXX court saying that the original credit card company is filing a lawsuit against me. I called back to ARS and asked what happened. after that, I have found out that the representative who answered my phone call on XX/XX/XXXX has never ever submitted my payment on that day. 
meanwhile, there is another debt collection company name " XXXX XXXX XXXX XXXX '' that is taking care of this debt after ARS. now they are asking me to pay the outstanding amount which of {$21.00}, and they have filling a lawsuit if I can not pay on time. 
I feel very innocent of this situation. compares {$7600.00} to {$21000.00} there is a huge difference. I did what I need to do back in XX/XX/XXXX. It is the ARS staff 's fault that didn't submit my payment, but why I have to take this responsibility. 
I hope you can involve this case, and let me know what is rights to protect myself. 

( one of ARS stuffs informed me that they have notes saying I called on XX/XX/XXXX and gave my account information to authorized them to charge me the amount of {$7500.00}, but they can not provide me the phone recording since I don't have an attorney representing me at this moment ) I have attached the settlement letter from ARS and I had conversation evidence with a person who was representing negotiated with ARS saying I paid off back in XXXX. 

my phone number is XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have reached out to these companies regarding documentations and proof of contracts and Nothing has been submitted to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


1. CAVALRY PORTFOLIO SERVICE-XXXX XXXX {$2000.00} ACCT # XXXX XXXX. 
( NOTHING HAS REMOVED OR RESOLVED ) 2.XXXX XXXX-XXXX XXXX {$440.00} ACCT # XXXX XXXX ( NOTHING HAS REMOVED OR RESOLVED ) 3.XXXX XXXX XXXX {$1000.00} ACCT # XXXX XX/XX/2018 ( NOTHING HAS REMOVED OR RESOLVED )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had my account closed on me by Citi. So I waited 4 month before contacting Citi about balance refund cause I have not received it. There responce was they would investigate and get back with me with no timeframe to give me. This after my first call telling me I had to go to a branch even though there are no branches in my state or any neighboring state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
This is a bill collector for XXXX. 
I had contacted XXXX to make payment arrangements on my final bill of {$500.00} Dated XX/XX/21. 
Last day of service was XX/XX/21. I called XXXX to make payment arrangements they denied me to being able to do that. When I switched to XXXX they were supposed to pay up to {$500.00}. so I sent a check for {$25.00} to XXXX now I'm being hit by Amsher collections for over {$1000.00}. when I contacted them to make arrangements they also denied me the option. 
I'm still trying to find our from XXXX why it was not paid. 
keep in mind this is all in the midst of a pandemic. I'm not working I'm XXXX  & on XXXX XXXX XXXX. it wasn't til XX/XX/XXXXwhen I was 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 2021-07-09 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: FL

Complaint narrative:
I have been the victim of unresolved fraud - on XX/XX/XXXX there were 3 unauthorized charges made on my card from Chase. I noticed these charges at night and froze the card since this was my only option at that hour, as the fraud department is not open around the clock. Numerous additional charges were declined and notifications posted to my email after I managed to freeze further transactions on the card. I notified Chase at the earliest opportunity by telephone that 3 charges for {$45.00} to XXXX, {$38.00} to XXXX, and {$0.00} to XXXX were all fraudulent. I have no knowledge of how my card info was compromised. Upon reporting these charges and receiving credit pending investigation, I was satisfied that this situation had been solved, however Chase reversed one of the credits to my account and notified me on XX/XX/XXXX that I would have to pay for the {$45.00} charge as I had allegedly benefited from this transaction. I phoned Chase on XX/XX/XXXX and was told that a user in procession of an account utilizing a XXXX  email address had item ( s ) shipped and delivered to my town, something about gardening supplies. I assume this is what is intended when they say I benefited. Myself nor anybody that I am in contact with ever received any such items. I also do not use XXXX. After disclosing these details, the representative I spoke to became furtive with additional details and referred the case to higher review. I categorically insist that these charges were all fraudulent and unauthorized, and that I should not be held liable, in accordance with the cardholder agreement. All necessary information explaining the fraud was conveyed in the original contact and this should have been solved in the first interaction. Additionally, only as a minor grievance, Chase failed to ever reverse or offer credit for the third fraudulent charge of {$0.00} which I did verbally report as one of three total charges that were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Threatening to Sue. 

I want to file a complaint against Midland Credit Management for repeatedly threatening to sue me for the collection that I am disputing. 

Each time I contact the collection agency to inquire about the collections legitimacy or try to solve the matter, the collection representative repeatedly informs me that the file will be forwarded to a lawyer. A lawsuit will be filed against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2019, the following company Office/Depot XXXX without permission pulled my credit report without my knowledge or permission

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 2021-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2019, the following company XXXX XXXXXXXX without permission pulled my credit report without my knowledge or permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My family tried to purchase a new cell phone plan on XX/XX/XXXX. In XXXX, I had placed a security freeze on my account with Experian due to my personal information being compromised by a data breach when I worked at the XXXX. When I tried to purchase the new cell phone plan, I was informed that Experian would not let it go through due to the security freeze. 

Since I could not reach a human, I went online to temporarily remove the security freeze. Allegedly, Experian removed the freeze and provided me with a print out that it had been removed. When I returned to XXXX to continue the process, I learned that Experian had not removed the freeze and my purchase was voided. Again, at the cell phone store, I tried to call Experian several times without success at XXXX ( the number they publish to remove a security freeze. ) I went home to call Experian ; but could NOT reach a human representative. Its recording took me around and around with absolutely no access to a human being. I tried every number linked to Experian online and none would provide access to a person. In response, I again tried to have the freeze removed online and again Experian on line informed me that it had been removed. I returned to XXXX on XX/XX/XXXX to resume the process. Again, I was informed that Experian blocked the intended purchase due to my account being frozen. XXXX attempted to get through to Experian but could not. 

After multiple times to reach Experian, I tried to have my freeze temporarily removed on line. Experian reportedly did. I have another print out to prove the freeze was supposedly released. I went back to XXXX on XX/XX/XXXX and found the same result : Experian blocked the sale since it still had my account frozen. 

As a result of Experian 's incompetency and the inability to talk in person with a human representative, I lost the proposed plan which included two new cell phones, {$450.00} in credits, a military service discount all totaling over {$1500.00}. 

I tried multiple times to resolve this issue which could have been easily remedied if a person was available to address it. However, Experian has made it impossible to reach a human being. They are not serving the American consumer and should be held accountable for the problems and aggravations they are inflicting on consumers for something as simple as purchasing cell phones.

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 2021-07-09 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: Garcadia Financial LLC
State: TX

Complaint narrative:
I notified XXXX that my score dropped 80points within 30 days time in error. XXXX XXXX reported a XXXX late payment twice when they should have only reported once. I called the company and even got the XXXX XXXX XXXX involved. XXXX XXXX then had the missed payment removed. XXXX however has not and will not fix my score. I called them today to tell them that when a late payment is removed, I should see a good increase not a huge drop. Also, I told them I should have never lost 20 points for them reporting the same missed payment twice then when they update you and let you know theres an error on their part, it should have been a 60 point increase instead of a 60 point drop. Im trying to buy a home and this is ridiculous & XXXX me. The XXXX rep told me he didnt have to explain to me why it dropped and that the score is final no matter what because its the system meter. Nothing they do manually. This isnt right and something needs to be done ASAP because I work hard on my credit. 


-Foursight Capital/XXXX XXXX issue- I have reported for two years to the bureaus that Foursight has provided inconsistent information regarding money owed and dates of delinquency along with account closing dates amongst all bureaus. Not only that but neither company adhered to the Texas law for repossession of vehicles. Instead of all the bureaus recognizing and properly investigating these two accounts, they just reply with the same answer as account has been verified. These accounts need to be removed from all credit bureaus. XXXX is the only one that removed XXXX XXXX. Please have all bureaus remove the Foursight & XXXX XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I opened an account with Chime. My wallet was stolen and returned to me months later. 

I tried to access my chime account to make sure everything was OK and they have shut it down due to " account not being in compliance ''. 

I don't understand how they can shut my account down without my permission and I can't access it online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have several inaccurate and unauthorized accounts reporting on my credit report that were added wrongfully on my credit file and are fraudulent, therefore I filled a identity theft affidavit along with the Fair Trade Commission and submitted it to Experian, XXXX, and XXXX. Experian and XXXX and XXXX are not doing their job and are just verifying these accounts as accurate without really investigating.

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 2021-07-09 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:
I notified Transunion that my score dropped 80points within 30 days time in error. XXXX XXXX reported a XXXX late payment twice when they should have only reported once. I called the company and even got the XXXX XXXX XXXX involved. XXXX XXXX then had the missed payment removed. Transunion however has not and will not fix my score. I called them today to tell them that when a late payment is removed, I should see a good increase not a huge drop. Also, I told them I should have never lost 20 points for them reporting the same missed payment twice then when they update you and let you know theres an error on their part, it should have been a 60 point increase instead of a 60 point drop. Im trying to buy a home and this is ridiculous & XXXX  me. The transunion rep told me he didnt have to explain to me why it dropped and that the score is final no matter what because its the system meter. Nothing they do manually. This isnt right and something needs to be done ASAP because I work hard on my credit. 


-XXXX XXXX XXXX issue- I have reported for two years to the bureaus that XXXX has provided inconsistent information regarding money owed and dates of delinquency along with account closing dates amongst all bureaus. Not only that but neither company adhered to the Texas law for repossession of vehicles. Instead of all the bureaus recognizing and properly investigating these two accounts, they just reply with the same answer as account has been verified. These accounts need to be removed from all credit bureaus. XXXX  is the only one that removed XXXX XXXX. Please have all bureaus remove the XXXX & XXXX XXXX Thanks

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 2021-07-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2020 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 64 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation