vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-09 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I own an American Express card that was opened in XX/XX/XXXX. I always tried maintaining good status by making on time payments. If a month was unable to, I would call and remedy the situation.

In XX/XX/XXXX, after losing my job, I continued to make a payment in XX/XX/XXXX and XX/XX/XXXX. When XX/XX/XXXX statement came out, a payment in the amount of {$100.00} was due. I proceeded to make the payments in XX/XX/XXXX, XXXX and XXXX  under my bank account ( which is a joint account ). However, I contacted Amex numerous times since XX/XX/XXXX to let them know of my current situation and requested some sort of financial help. NOT ONE CALL was I informed that my payments were not going through.

In an attempt to mitigate my damages, I logged on to my account to find my card " cancelled ''. I contacted another rep in XX/XX/XXXX and asked about the " canceled '' status and was informed that it was because payments were not made that I am unable to use my card. HOWEVER, if I was to bring the account current the cancellation would be waived. THAT was the ONLY call that the gentleman informed me that my bank was not processing my payments and that I needed to look into it with my bank, XXXX XXXX. He informed me that he would update my account to advise that I was working with my bank to find out about the payments not being processed.

After contacting my bank, I was informed that a fraud alert was placed on my account ( husband ) and that no payments were made. I quickly called Amex and updated the with this information. I was advised that I needed to make 2 payments ( {$100.00} and {$110.00} ) within the same month to show that the payments went through. In good faith, I opened another account with XXXX XXXX and proceeded to make total payment of {$220.00} within the same month, through a new account. However, when I went to check the status of my card, my card was now closed.

I have called NUMEROUS TIMES in an attempt to have this investigated and have been received with push back. I did what was told of me, I complied and demonstrated it was wrong doing on the bank behalf and yet my card was closed as though I never tried to fix the situation.

My last conversation regarding the matter was with XXXX XXXX, who callously informed me that there was nothing that can be done for my account and that NO ONE in the company is going to do so.

I believe AMEX is acting in bad faith. As a consumer, I contacted them before things got out of hand and did my part. I complied and made the payments as agreed and furthermore, the card is up to date, with ONLY a {$1000.00} balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
They call me almost every day.

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 2018-11-09 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: GA

Complaint narrative:
I submitted several disputes with the credit bureau for validation of alleged accounts as the Bureau reports that they supposedly belong to me.

These accounts are reporting negatively on my credit report. I initially started the dispute with this Bureau on XX/XX/2017 via certified mail and I have submitted a dispute every 31-35 days asking for them to provide documentation that validates these alleged accounts. In each dispute attempt I specifically asked the Bureau to provide me the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. The Bureau keeps saying the account is verified, but never produced any of the information requested.

I am quite displeased with the false reporting, and Bureaus verification method which is faulty and even when specific information is requested ; as supported by law, the bureaus that still insist on violating the law and our rights. This Bureau is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX and I am having issues with Equifax and getting information. I initially pulled a credit report with a credit monitoring site and noticed that Equifax was reporting some inaccurate information, such as two accounts showing charged off with XXXX XXXX XXXX XXXX. I have never had any type of bad account with this bank, so I researched my options and a letter was sent to Equifax demanding they remove the the false information. This was back in XXXX of this year. I never received any type of response from them so another letter letter was sent XX/XX/XXXX and to this day I still have yet to hear from them. I have sent a 3rd request on XX/XX/XXXX and no response. I accessed my account with XXXX XXXX to see if maybe they are working on things and just not sending me the information but that information hasn't been updated on XXXX XXXX 's site since XXXX of LAST YEAR. It shows that for some reason Equifax is completely ignoring me. With ever correspondence sent I included the documentation they request to research items so that is not the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have a credit card with Synchrony Bank. It is XXXX XXXX   card. I received a letter that they have closed my account because they received information from XXXX XXXX stating my credit score had fallen. I did not owe any money on my card. I've always paid on time, and even paid before the promotional period ran out. If my credit score is so bad why did they leave the other accounts that I have with them open, ( XXXX  and Walmart )?? I didn't even apply for a credit limit increase or any new credit, so there would have been no reason for Synchrony to run my credit report anyway. I tried to call them and keep getting the run around. After reviewing the complaints that have been made by so many other consumers, I believe that Synchrony is working with XXXX XXXX  to lower consumers credit scores so that they can be charged extra money for interest rate.

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 2018-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
On XX/XX/2018at XXXX, I entered XXXX XXXX XXXX in XXXX XXXX , NJ and proceeded to do my usual business a the facility. I wanted to use Western Union services, however the debit card slider component of the machine was not working and was told by the cashier that it had not been working for over a month. I told her that walking to the ATM at XXXX XXXX XXXX to withdraw a large amount of cash then back was unsafe. The cashier responded " don't know what to tell you '' I then went to the ATM and withdrew the cash to send at XXXX XXXX XXXX to do the transaction. The rude cashier then told me that Western Union was closed for the day, so I made the risky trip for nothing. I asked to see the manager and the cashier yelled at me and said " I am the manager!! '' and then kept screaming at me further saying " since you want to be a XXXX, it's not my fault it's Western Union 's fault '' I told the manager that there's no reason why she allowed this problem to persist for a month. Not everybody carries large amounts of cash on them for safety reasons. I angrily headed toward the door as the manager kept yelling at me then said " take your business someplace else! '' I said I was sorry if I angered her and she replied " no ''. I had been doing business at this check cashing place for over 10 years. This combative manager finds it easier to attack customers and lose business rather than getting Western Union problems fixed. In the past I have tried to ask who the owner of the facility was to resolved complaints however I was denied information, so there is no way to complain to the manager 's boss. This manager can verbally attack any customer she wants without any consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I have at least four ( 4 ) hard inquiries on all three credit report agencies ( TransUnion, XXXX, and XXXX ) as well as closed accounts that have since been satisfied in full via two collection agencies ( XXXX XXXX  and XXXX XXXX ). I've  contacted all three agencies directly, as well as through XXXX XXXX and the erroneous information has not been removed. 

I've worked really hard this past year to clean up my credit, I need to move XX/XX/2019 after my apartment lease is up yet these hard inquiries and closed account as previously mentioned, are either old or attempts to obtain credit in my name without my knowledge and consent. Any action you can take to aid in the removal of the negative information on my credit reports would be invaluable. 

Many thanks, XXXX 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 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I have at least four ( 4 ) hard inquiries on all three credit report agencies ( XXXX, XXXX, and Equifax ) as well as closed accounts that have since been satisfied in full via two collection agencies ( XXXX XXXX   and XXXX XXXX ). I've contacted all three agencies directly, as well as through XXXX XXXX and the erroneous information has not been removed.

I've worked really hard this past year to clean up my credit, I need to move XX/XX/2019 after my apartment lease is up yet these hard inquiries and closed account as previously mentioned, are either old or attempts to obtain credit in my name without my knowledge and consent. Any action you can take to aid in the removal of the negative information on my credit reports would be invaluable. 

Many thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: OH

Complaint narrative:
I put a credit freeze on my Experian account because of the data breach. 

It took hours to remove the freeze, which is crazy. There was very little information I could find on their website about how to remove it - just a phone number it said to call. When I called the number it was an interactive voice response system and didnt give me any options to remove the freeze - was simply trying to sell me their paid service for credit monitoring. It was very obvious that their intent is to make it difficult and inconvenient to remove freezes, which are free, with the hope that customers will get frustrated enough that they will sign up for their paid service. 

After I finally found a different number to call by searching XXXX for Talk to a live person at Experian, I got through to a person for the first time, after finding out why I was calling the call mysteriously disconnected the call and I had to start over again. 

It took hours to simply lift a freeze on my credit report and the intent was clearly to try to make it so difficult that Ill pay for their special service.

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 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to cancel my account as I continue to get charged monthly, and their app no longer works. When I call to cancel, they do not let you proceed unless they identify you by your social security and zip code. Once I put in that information, I am told by a recording that I do not have an active account. I have no option to proceed or speak to a representative, that is the end of the call. There is absolutely no way to speak to someone by phone, to cancel by email or mail. I need to cancel my account and they are making it impossible.

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 2018-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
We were enrolled in a PMI escrow account at the time of closing on our home, in XX/XX/2018, with XXXX XXXX XXXX XXXX, ( XXXX  ). We recast our loan in XX/XX/2018 and paid it down to a LTV of 44 %. We were instructed by XXXX to submit an email in order to discontinue our PMI escrow account and meet criteria of not any missed payments and a LTV of 80 % or less. We have met all of the above requirements and submitted the email request for cancelling PMI. XXXX responded stating we will have to pay a fee of {$100.00} and pay for another appraisal on our home. 
We requested that XXXX use the most recent appraisal on our home that was performed in XX/XX/2018, but have not received a response. 
We have since learned that this lender is not complying with a Federal law called, " The Homeowner 's Protection Act, '' which requires lenders to automatically cancel PMI enrollment when a loan falls below 78 % LTV.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: IL

Complaint narrative:
To whom it may concern, On XX/XX/2018, I received an alert that a new credit inquiry appeared on my Equifax credit report. I was surprised as I hadn't recently applied for a bank product or an account that would require a credit check. The inquiry came from XXXX. I immediately knew this inquiry was initiated by an unknown individual who has been using my SS # to work in the state of Colorado. I have never lived in Colorado. I immediately sent a dispute to Equifax but within a day I but when I attempted to logon to check the status of the challenge I was unable to. The account in question was set up in XXXX, Colo. I have no Colorado address on my credit report. I believe I have a fraud alert on this account as well. So, when XXXX went to verify the credit report, the discrepancy should have been noted. I have tried to resolve this with XXXX as well with no luck. I even did a second dispute with Equifax and the same thing happened when I tried to check the outcome of the investigation. I received an error message saying I am unable to access my account. 

The Colorado Department of Investigations is working on my case of identity theft in regards to the unauthorized  employment. I provide their contact information, if needed. 

Thank you for your time and help. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Today I received a call from Ally Financial, which left a message on my telephone asking for contact information for my brother, XXXX XXXX, because he " owes '' them money for a debt. I am not XXXX XXXX. I called the company back at XXXX, ext. XXXX and spoke with XXXX, the woman who left the message on my phone. I informed her that she violated FDCPA by contacting me and informing me of my brother 's debt and that she needed to not contact me again. She said she would not stop contacting me until I verified who I am. I said she needed to stop calling immediately and she hung up the phone. This is harassment and I am not going to stand for it. I would like to file a formal complaint with the company and have them punished for harassing me while I am at work. Thank you, XXXX XXXX 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 2018-11-09 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have been having a horrible experience with Barclays and just made a CFPB complaint about them not handling a fraud on my account correctly. Instead of resolving it, just yesterday after I had a nice conversation with the office of the president, they instead reported me as delinquent ( I have NEVER been late with them and always paid my account in FULL every month! ) and now my credit score has tanked 31 points! I am so upset that they are being vindictive and hurting me personally because I made a complaint against them! I really need the regulator to assist me as this is the worst experience I ever had and they are ruining my credit now! They put on the credit report that they concluded the investigation and I am now 30 days late! They never sent me the results of any investigation and on the contrary told me they would actually investigate this. They reported me on XXXX  on 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 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GREAT LAKES
State: ME

Complaint narrative:
I have made contact with Great lakes in regards to my account status being " closed '' " paid in full '' " balance XXXX '' and showing an age of 7 years and 2 months still remaining on my credit report and showing a negative status. i have successfully rehabilitated this loan and have opened the account in positive standing with a new loan through Great Lakes, when contacting the company i was told there is no way to remove it. the acocunt was closed in XX/XX/2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: IL

Complaint narrative:
I disputed an XXXX account that is reporting medical debt in XX/XX/2018 with XXXX  and Transunion. XXXX and Transunion responded that the debt is verified as mine. The debt collector has not sent me notice that it was going to report to credit reporting agencies. The amount in question is {$1000.00} from a hospital. At the time that they are reporting debt I had insurance coverage through Medicaid for % 100 of hospital services. I had given the hospital my insurance information any time I had visited either the hospital or the physician that belongs to the same medial group. The only time I have had issue with billing is with the hospital. The hospital has not sent me an itemized bill or the reason insurance may not have paid for services on this 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 2018-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: APPLE RECOVERY, LLC
State: FL

Complaint narrative:
They called to a person ( relative ) giving all my personal and private information about me, give them all details like my social security number, employee location with out they know who was that person behind the phone. Now I feel uncomfortable and scary that somebody else have all my information.

Company response to consumer: Closed with explanation