vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is a company of XXXX and XXXX XXXX  up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX XXXX XXXX, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell XXXX to refund my purchase. XXXX XXXX XXXX XXXX XXXX XXXX XXXXndor refunds, but does not notify their credit card? Then I try opening a login account with XXXX many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, XXXX, Transunion. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell XXXX. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, XXXX, and Transunion and cancel my debt with XXXX  I will contact Civil Rights Commission and think about next step on how mortgage is denied. Frauders and liars.

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 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is a company of XXXX and XXXX  XXXX up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX XXXX XXXX, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell XXXX to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with XXXX many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, Equifax, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell XXXX. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, Equifax, and XXXX and cancel my debt with XXXX I will contact Civil Rights Commission and  think about next step on how mortgage is denied. Frauders and liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is a company of XXXX and XXXX XXXX up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX XXXX XXXX, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell XXXX to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with XXXX many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, Experian, XXXX, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell XXXX. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, Experian, XXXX, and XXXX and cancel my debt with XXXX I will contact Civil Rights Commission and think about next step on how mortgage is denied. Frauders and liars.

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 2018-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Three 3 Fraud Accounts Where Open With Citi Bank Checking And Saving Account Where Open At Citi Bank Without My Permission With Fake Accounts Signature with my Name Citi Banks Denied To Resolved this Risk and there are not Helping me with this problem. and they Claim That there was never any Fraud at Citi Bank with my Information Bank Persist that the Signature match someone else copy my Signature to open Fraud Accounts With Citi Bank Someone Stole My Identity and Signature and used it to Open This Account Fraudulent and My Social Security Number Was Stolen and also there was Fake Checks Deposit to those Accounts. My Ex Boy Friend Stole My Identity And Stole My Signature and Open This Accounts and Citi Bank is Not Helping and did not closed the account marked as 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 2018-08-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I Am having A Problem With XXXX Credit Report Agency With Something About Chase Showing On My XXXX Consumer Report please help me with this problem Chase Bank Closed My Account Without My Permission And Wont Allow Me To Open Any New Accounts Because Of A Fraud Account From The Pass Showing On My XXXX   Report Please Help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Credit Card Company. 

My closing date for the period was XX/XX/2018. Payment of {$6600.00} was due XX/XX/2018. I had enrolled in online auto payment of full amount. On XX/XX/2018 I purchased something at XXXX XXXX for {$100.00} and returned it two days later. On XX/XX/2018 I received credit from XXXX XXXX for the full amount of {$100.00}. On XX/XX/2018 they deducted {$6500.00} from my checking account for the auto pay ( full amount minus a XXXX XXXX credit ). I had attempted to modify this payment so that it would deduct the full {$6600.00} that should have been deducted. Due to some technical errors they deducted both XXXX and {$6600.00} from my checking account ( the current month balance was approximately {$3000.00} therefore I was in the plus over {$3000.00} on the account ). 

If there are protections in place to force me to stay within my credit limit ( a hold is taken against my credit before the transaction posts ) then I believe there should be protections in place that prevent me from paying twice. They need to take a hold against any payments that would allow me to double pay my account and prevent me from paying twice or overpaying. It is ridiculous that they have a process in place to protect themselves from the consumer over using credit ( their detriment ) but nothing in place to protect the consumer from over paying ( their benefit ). 

I only asked them to change their practices to prevent future harm to consumers but I was scoffed at and belittled. Please, you are the only people who have the power to help me change this unfair practice by Chase Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This whole ordeal started when I decided to pull my credit report to learn about what was being reported on me. I noticed a lot of accounts on my report that did not belong to me. I immediately froze my report and begin to work to get accounts removed. I contacted XXXX on a number of occasions to have this account removed and was advised it was turned over to Diversified Consultants. I contacted Diversified Consultants who disregarded the fact that I've never held an account with XXXX, they advised the only way they would remove the account was to pay. I was transferred to a manager, XXXX, who advised I could them and the account would be removed. I made payment out of my checking account on XX/XX/2018, afterwards I was told I would receive a letter and that the account would be removed since it was not my account. This was and is the only collection account on my credit report so I felt in order to avoid the headache of fighting to remove the account I should just pay it since they agreed to delete the account. After the payment cleared my account, I call several times and asked for them to email me the letter they promised to send and advised them that the account had not been deleted as promised. Instead of deleting the account, they updated the account to show it was opened in XX/XX/2018 which is completely false. They took my money and affected my credit far worst than before. I contacted XXXX who confirmed I have no balance owed to them and they advised they have no control on what Diversified reports but they did advise they would request them to honor their promise to delete this false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Seterus, Inc.
State: GA

Complaint narrative:
I was layed off XX/XX/XXXX .I 'm collecting benefits at XXXX per week. I contacted Seterus about a forbearance. I was told If I could make the XX/XX/XXXX payment ; make it then call for the forbearance. Their representative told me no problem ; make the XX/XX/XXXX payment then file for a forbearance. I made the payment and called around XX/XX/XXXX. I explained my wife and i had seperated during the call and was told no problem. I received the PPW and sent it in. Now I'm told by Seterusthat the Rep gave me the the wrong information. Now I have to get a quick claim deed to take my wife off of the loan so they can process the forbearance. They apologized and said they would " coach " the Rep but not fire her. Now I'm facing foreclosure.

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 2018-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp
State: OH

Complaint narrative:
Signed up for XXXX XXXX in hopes to get my loans forgiven after 10 years. Found out that they not only do not pay off my loans through XXXX, but they aren't associated with the Department of Education ( although they mentioned it numerous times in emails ). I've paid about {$560.00} to them thinking that it would reduce my loan amount, but all they did was open a new line of credit in my name. I was also told by the Department of Education that I didn't have to pay fees in order for my loans to be reduced in payments or forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
While my husband and I were separated in XXXX, he manipulated me into refinancing our home.He abandoned me and we were behind in mortgage payments because he had been having an affair and racked up bills that i didnt even know about at that time.He promised to help with the new mortgage amount ( also promised that he would end the affair and return home but didnt ) even though he knew I couldn't afford to pay it myself because I became XXXX a few yrs earlier.For the refi the home was appraised at {$210000.00} which in no way was true ( was only worth {$140000.00} ) but this is a perfect example of how & why the housing market crashed in XXXX, and how i became under water with the refi loan.So I got stuck paying for a home worth {$210000.00} at 8 % when in reality was only worth $ XXXX.I 've struggled all this time, filing Chapter XXXX to save my home but got behind again due to the fact that my live-in boyfriend also became XXXX.I need a home forgiveness modification or to refinance at a lower rate for the proper amount of the homes worth.We just need a 2nd chance with the appropriate loan for 2 people that are XXXX and receive XXXX XXXX  XXXX benefits monthly.

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 2018-08-02 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: WA

Complaint narrative:
I have notified Equifax two times about an incorrect reporting from XXXX. I attempted to close my account and XXXX refused to stop billing me initially which inflated the balance falsely. I do not understand how they can bully me and take advantage of the fact that I am powerless in the situation. Them simply saying " this is what happend so just deal with it '' is NOT a valid response and should be illegal. This is bogus and I am losing out on opportunities to advance in life because of this false information!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Credit Plus Inc
State: LA

Complaint narrative:
THE INQUIRIES LISTED WERE NOT AUTHORIZED AND DO NOT BELONG TO ME XXXX XXXX XXXX - XX/XX/2017 CREDIT PLUS X3 - XXXX XXXX AND XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have made more then one attempt to do the dispute process and I even tried the email/phone versions and i never get any confirmation or anything, there is a bogus XXXX charge that needs to be cleared off. I am doing things that are time sensetive, I can not sit around for months to wait and hope the system is repaired. This is unfair!

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 2018-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was approved a credit line with XXXX XXXX XXXX and they sent my credit card. When I when to used it it gave me a decline message. I was told that my card was closed and denied and that they send me the reason why over the mail. I never received such letter and yet why they gave me a credit line and closed it with out giving me the opportunity to used it. I felt humiliated when I when to buy a wall clock for my home. Can you find out why they are discriminating me. I am building my credit history and I dont have any delinquent or late payment. Whichever reason they stated after the fact is not applicable because they did acepted me. There is nothing wrong and why I was denied?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NY

Complaint narrative:
US Bank is reporting three late payments stemming from XX/XX/XXXX until XX/XX/XXXX. During the time of the occurrences, I was unemployed and should have maintained a deferred status for the late payments but rather my credit score has taken a hit. I have contacted US Bank multiple times in reference to the matter, disputed the occurrences, emailed the CEO to no avail in helping correct the matter. My credit score is being affected. I have had this secured card for 2 1/2 years, since XX/XX/XXXX, outside of the 3 payments which should have been deferred, I have never missed any payments. I would like to have US Bank correct this error.

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 2018-08-02 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: LA

Complaint narrative:
THE INQUIRIES LISTED WERE NOT AUTHORIZED AND DO NOT BELONG TO ME XXXXXXXX XXXX XXXX - XX/XX/2017 XXXX XXXX X3 - XXXX XXXX ANDXX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
An unauthorized charge dated XX/XX/2018 was made in the amount of {$1800.00} XXXX. I took a taxi from the airport to a downtown hotel and the flat fee was {$40.00} plus I added a {$8.00} tip to the card reader. The taxi driver apparently swiped my card to another device which captured my account number from the magnetic strip. After I left the taxi the taxi driver drove to a location 1.3 miles away and canceled my original transaction and manually entered my credit card number and charged me {$1800.00}. The taxi driver used XXXXXXXX XXXX to process the fraudulent charge. XXXXXXXX XXXX provides for signatures to be recorded by an electronic device such as a tablet and generates a receipt with the location of the transaction indicated on a map. The taxi driver forged my signature on a fake receipt using XXXX XXXX. 

I received an alert from American Express about the charge which I noticed early on the morning of XX/XX/XXXX and I contacted American Express to tell them that it was a fraudulent charge. XXXXXXXX XXXX sent American Express the fraudulent receipt forged by the taxi driver and closed my dispute and told me that in their opinion it was not a fraudulent transaction and that I needed to resolve the over charge with the merchant myself. 

The charge to my account is listed as from XXXX and XXXX. I can not find such a company on the internet and assume it is not a legitimate business. I requested in writing that American Express provide me with the legal name and address of the entity charging my account so that I can file a report with the police. American Express ignored my letter and just sent me form letters. I called on several times and requested this information and was told that they could not provide me with the legal name of the merchant.

American Express does not investigate fraud and does not provide any customer service in dispute resolutions. I can not get anyone at American Express to look beyond the fraudulent receipt provided by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
5 days after missing the first payment on loan my vehicle was repossessed from me and held by the company whom demanded that the loan amount be paid in full in order to retrieve vehicle. The loan was poorly explained to me, I was under the assumption that there was to be one payment made monthly, not two. It has been a year now since XXXX XXXX had taken my vehicle. I have been since honorably discharged from the XXXXXXXX XXXX XX/XX/2018. I currently find myself unemployed and with little hope in sight. This company has caused great distress and more than financial hurt in my life. I was employed full-time with a position I had enjoyed, after losing my transportation I had lost my job. I would just like it to be known how cynical and deceiving this company is. Something like this should not be legal. What they have done to my life now is extreme to say the least. I would like to warn the public of this company and their tactics in hopes that they can avoid this occurring to them.

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