vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Account was opened XXXX of XXXX. At the time my credit was checked and I was approved for the department store card. 

In XXXX of XXXX, upon closer examination of my statement, I noticed my credit line had decreased. I had received no notification of any issue. My account is in excellent standing. I phoned the provider and they stated they had no idea why my credit line had decreased and they reinstated my original credit line. 

Yesterday, while looking at my account, I noticed, yet again that my credit line had decreased. Again, no notice, no call ; no idea why. Account had a XXXX balance and excellent standing. 

I phoned the account holder today after not getting an explanation from an email the yesterday. According to the " Account Manager '' that I spoke with - XXXX has the right to periodically check my credit score from all three reporting agencies ( XXXX ; XXXX  and Experian ) and apparently are also getting credit updates on a regular basis from all three credit reporting bureaus when ever something changes on my credit report!! I never gave any permission for any company to constantly monitor my credit..and I know this is not legal. She stated that they had sent a letter on the XXXX of XXXX. I have received nothing. She also stated they mailed letters back in XXXX ( however when I checked in XXXX the Customer Service Rep I spoke with at the time told me she didn't see any letters going out ) when I brought up this had happened before, and I had never received any letter. I asked that the letter be e-mailed to me along with any documents that they state " allow '' them to monitor and get updates on my credit. She stated that she can not e-mail them and that she needs to mail them. She would not give me any reason why this has occured. 

I never gave XXXX ( XXXX XXXX  ) permission to " monitor '' my credit reports from the three major credit reporting agencies. 

I have paid off the card in question and have closed the account. I have asked that my banking information be deleted from their system and I have also requested confirmation, which I have not received. 

This is a muli-issue complaint.

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 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed an inaccurate account on my credit report from XXXX XXXX XXXX. They are reporting absolute false info, by stating reporting that I had an installment account with them, even showing 36 on time payments thru XX/XX/XXXX, then defaulting to a charge off status after that. There has NEVER been an installment account with them. I even confirmed this by phone with XXXX XXXX XXXX, and supposedly XXXX with XXXX documented such facts so that it would be reported when disputed. This account was an " overpayment '' of a Pell Grant given to me in XX/XX/XXXX when I was attending XXXX XXXX. Then billed me for overpayment of {$180.00} for 120 days, before turning it over XXXX XXXX XXXX to collect. I have disputed this on THREE separate occasions with both XXXX  and Equifax, demanding they do their job and investigate this false reporting, however, XXXX XXXX XXXX continues to " verify information as correct, '' and the Credit Bureau continues to accept such false verification without the documentation I have requested validating the accuracy of the account. They have continuously violated the FCRA sections 611 and 623. I filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and complaint was closed advising me to deal with XXXX XXXX XXXX regarding issue. Clearly it wasn't noted that I had already made several attempts to do that, hence my seeking help from them for a resolution. Therefore, I have sent it to the CFPB Ombudsman for second review. I was advised to file separate complaints for each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
These American Express accounts have been settled through my program with XXXX XXXX XXXX. the accounts show negative remarks. However The accounts are SETTLED AND paid in FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I saw a collection from Receivable Management on my credit report. It doesn't state who the original creditor is. I don't have any outstanding debt. 
This agency never contacted me or anything. They just put this on my credit. I disputed it with them and requested for them to remove it from my credit. They never responded. I also requested in writing for them to validate that I owe this account and the original creditor. They just ignore me, but they continue to report it on my credit Receivable Management is not licensed or bonded to collect in my 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 explanation
Consumer complaint received 2018-11-06 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been a Care Credit ( Synchrony Bank ) user for many years. It's specific use is with doctors, dentists, etc who participate in providing a zero interest payment plan for 3-6 months. 

I received a new plastic card in late XX/XX/2018. I thought it was a replacement card for my current card and I called in to activate it. A day or two later, I was getting alerts from the credit bureau 's regarding my score changing & inquiry. I checked with them and found out it was Synchrony Bank. I then called Care Credit/Synchrony and found out this is not a replacement card - its a new card that works as both a Mastercard and the Care Credit ( a dual card ) and my Care Credit card was closed. I do not want this Mastercard and they are not able to switch it back to my regular Care Credit card, even though that card is still available. My credit report now shows a closed card and a new Mastercard opened with a credit line. My score dropped a few points. 

I was told a letter was sent out previously that spoke about this card and that I had to OPT OUT of this new card if I didn't want it. I don't remember getting this letter, and if I did, probably thought it was a solicitation. It did not state Action Required. This is deceptive advertising. It should of been an Opt In to receive this new card, not an automatic exchange since my basic card was still valid. Not to mention, if I wanted a new charge card ( which I don '' t ) I would not of picked this one. 

Again, this is deceptive advertising. New updated cards, especially with identity theft so prevalent, should not be automatically sent to customers unless they specifically ask for them. Bottom line, Synchrony Bank sent upgraded cards to people who did not respond to their notice. This should never happen. It should be the other way around, opt in to a new card. If this never arrived in the mail, and was intercepted/stolen I would never have known it until too late. 

I'm attaching the letter that the plastic card was attached to. I omitted my personal info.

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 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: GA

Complaint narrative:
I've been banking with Netspend for several years. I called in on XX/XX/18 to dispute a charge. Next thing I know my account is closed and funds have not been issued to me. This has caused many bills in my household to go unpaid and accumulate late charges. Called in to check the status of my refund only to be advised that it was not complete and need 10 days to complete. NOT ACCEPTABLE. This is altering my livelihood and causing more damages than one person can handle.

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 2018-11-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Sunday XX/XX/XXXX, I applied for a Chase Sapphire Preferred credit card. This card in particular stood out due to the XXXX point bonus when you spend {$4000.00} or more in three months AS WELL AS a 0 % intro rate for 12 billing cycles. There after it would be 17.99-29.99 % variable. I decided that this was a wonderful option & took the offer. I signed in to my online banking & noticed it stated the apr was 17.99. I was so confused so I called the Chase credit card department. They stated they had no such offer. I told him to go to the website, creditcards.chase.com & the promo would be there. He said it wasn't & to go to the branch to fix the problem. Today, XX/XX/XXXX, I walked into my nearest Chase on XXXX XXXX XXXX in XXXX, CA. She saw the offer I saw & applied for. She immediately got on the phone & tried to correct this for me. The representative she spoke to also said the same thing. They could not see the offer. The branch employee sided with me but said there was nothing in her power to correct this glitch. I am so careful on running my credit. I want the offer I applied for & not this one that was given to me. I feel so mislead & I keep getting the run around. It's not fair that their false advertising that's published is not given to me even though it's on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
When i was XXXX  and first enrolled into college, i was under the impression that most of these loans were grants and i would not have to pay them back. It was never explained to me how interest would come into play with the loans down the road. I  currently work full time but i can not afford to pay what they want for a monthly payment, and i have 5 loans that their expecting a monthly payment for. I had them deferred for a while but im not sure how much longer im able to do that for. If i was to pay what they calculate for each monthly payment, my daughter and i would be homeless because there's no way i'd be able to keep a roof over our heads.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: ND

Complaint narrative:
I have contacted Equifax, XXXX, and XXXX on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This Capital Oneaccounts have been settled through my program with XXXX XXXX XXXX. the accounts show negative remarks. However The accounts is SETTLED AND being paid off every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I closed on my home -- a new property, qualifying for a 10 year tax abatement -- in XX/XX/XXXX. At the time of close, it became apparent that the closing company had forgotten to account for my tax abatement on some estimates ( causing me to pay a couple thousand additional dollars into my escrow account at close ). I was assured that this could be worked out with my mortgage company after closing.

My mortgage was sold to Fifth Third Mortgage Company in early XX/XX/XXXX. I promptly submitted an inquiry re : the escrow amounts on XX/XX/XXXX. Not only did I have the excess in escrow from closing, I also had to pay an extra ~ {$300.00} a month for my mortgage, so I was eager to resolve the issue as soon as possible. 

In response, Fifth Third opened an issue and informed me that they would respond in 15-25 days via mail. 

This delay was frustrating to me, as I hoped I would be able to provide legal documentation of my tax abatement right then. I asked if I could speak to someone from Fifth Third Mortgage Company directly. They said no. 

In early XXXX, I received a response in the mail, indicating that they needed further evidence of my tax abatement. I immediately faxed over a copy of my stamped document affirming my property 's tax abatement aside the letter they sent me. I followed up this fax with an online message to confirm the receipt. Again, they indicated they would respond in 15-25 business days. 

Today is XX/XX/XXXX, and I have still not received a response. My monthly mortgage bills are hundreds of dollars higher than they should be, and I am owed thousands of dollars from closing three months ago. I sent a message explaining that my promised response was missing and that holding excess in escrow is a violation under RESPA. They responded to tell me to contact customer service over the phone -- despite the fact that they told me earlier there was no way to contact a Fifth Third Mortgage Company rep directly over the phone.

I am completely frustrated with this situation and the way I've been treated by the Fifth Third Mortgage Company. 

I've attached screenshots of all my correspondence, as well as the evidence of my tax abatement ( as faxed over on XX/XX/XXXX ) and screenshots of my account info and activity ( taken today, XX/XX/XXXX -- showing the escrow balance vs escrow disbursements & monthly fees ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I contacted Experian in regards to a Security Freeze I placed on my Credit File after having a credit card compromised and a subsequent loan opened under my name fraudulently. I having been trying to get the security freeze temporarily lifted for an auto loan provider without any luck. The insanity of the credit bureau for me to authenticate myself is to mail a copy of my social security card - which is a completely insecure route.

The monopoly that exists by the three credit reporting agencies is unheard of for any other industry.

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 2018-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America closed one of my checking accounts without notifying me. 
The account was closed XX/XX/2018 due to inactivity. I have had this account for years and always kept a XXXX balance or several dollars in this account and this account was never closed until now. They have refused to reopen it. I have had one person told me that it would be reopened and another person said it was in the process of being reopened. The last person that I spoke to said it could not be reopened.

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 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dont believe my credit score is a fair representation of my abiity to pay my bills. It is under 500 and this makes it very difficult to get a low Intererst loan, I can not seem to win, no matter what I do, recently I was forced to pay over200 % interest. I : will pay the balance off way before the end date, but it is ridiculous that I am paying that rate. I need to refinance a car I am paying 19.99 % interest on, but with my credit score which is the first thing a potential lender sees, they write me off without even looking at my report. I ; have very little debt, and credit for that matter. I realize it doesnt help that my only 2 credit cards are over the limits and currently late, I have been ill, and my daughter has been paying my bills for the past few months. I have always paid what I owed, even if the card or debt was charged off, how can this help me. My student loans are my only significant debt and they are in forebearance and will most likely be forgiven because of my XXXX. I havent been able to use my very expensive degree and where do all of these loans that I take and payback in a timely manner at a horrendous interest rate show up, I should get points for those, it just doesnt seem fair at all

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 2018-11-06 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: AL

Complaint narrative:
Public record of bankruptcy is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I had a collection with EOS CCA from XXXX XXXX XXXX. At the time I received a call from the collection company I advised not to call me anymore unless they would do a pay for remova from my credit reports to which they agreed on XX/XX/XXXX for an amount of {$260.00}. Fast forward to XX/XX/XXXX after numerous calls and emails to supervisors and managers to tell me they dont do that which sounds like a complete lie. It is a breach of contract and I will pursue legal action if they do not uphold our verbal contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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 disputed an inaccurate account on my credit report from XXXX XXXX XXXX. They are reporting absolute false info, by stating reporting that I had an installment account with them, even showing 36 on time payments thru XX/XX/XXXX, then defaulting to a charge off status after that. There has NEVER been an installment account with them. I even confirmed this by phone with XXXX XXXX  XXXX, and supposedly XXXX with XXXX documented such facts so that it would be reported when disputed. This account was an " overpayment '' of a Pell Grant given to me in XX/XX/XXXX when I was attending XXXX XXXX. Then billed me for overpayment of {$180.00} for 120 days, before turning it over XXXX XXXX XXXX to collect. I have disputed this on THREE separate occasions with both Experian and XXXX, demanding they do their job and investigate this false reporting, however, XXXX XXXX  XXXX continues to " verify information as correct, '' and the Credit Bureau continues to accept such false verification without the documentation I have requested validating the accuracy of the account. They have continuously violated the FCRA sections 611 and 623. I filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and complaint was closed advising me to deal with XXXX XXXX XXXX regarding issue. Clearly it wasn't noted that I had already made several attempts to do that, hence my seeking help from them for a resolution. Therefore, I have sent it to the CFPB Ombudsman for second review. I was advised to file separate complaints for each credit bureau.

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