vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I moved into a home that did not have any current land lines running in the house, so I called XXXX XXXX XXXX and set up an account to have a home phone line. They were going to come out to actually install phone lines on the property so that we could have a land line home phone. They never came and put the lines on the property. I never had a phone set up to use. I was however sent a bill for the first day months service as if I did get a line set up and used. I call XXXX XXXX XXXX 10 times trying to resolve the issues and then they sent me another bill and I still didnt have the service they were charging me for. And I never had a land line or used any of the XXXX XXXX XXXX services I was being g billed for. I canceled the account with XXXX XXXX XXXX and never looked back, until, a couple years later, 5years, I get this app called XXXX   XXXX, and see that I have an account that has been sent to collections. I was unaware of this and now I need it fixed because its not my debt.

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 2019-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion removed my XXXX ACCOUNT from my credit report without my permission and they should had NEVER REMOVED MY ACCOUNT. 
Please REINSERT my account back in my report. MY account is in good standing and under the fair credit reporting act it should SHOW in my report. I HAVE INCLUDED DOCUMENTS AS PROOF. 
PLEASE ADD MY XXXX ACCOUNT BACK TO MY REPORT.

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 2019-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PREFERRED CREDIT INC
State: WI

Complaint narrative:
XX/XX/XXXX I paid XXXX as the payoff amount of the loan per an email I received from the company, PCI. Then XX/XX/XXXX I logged into the website to follow up from an invoice email I received from them. The website showed the " regular amount due '' but also showed the account balance in parentheses, which typically implies a credit balance. I called to clarify and was told that my account did have a credit balance and they would be requesting a refund. XX/XX/XXXX I called again because I no longer had access to the online account and was told that I did not have a credit due. In fact, XXXX the Manager on duty at the time, told me that there was a " few dollars '' remaining and the company likely just closed out the account out of a courtesy. I tried explaining my previous conversation with the representatives from his company and he was dismissive of the information. I have received my refund and a letter stating that my account is now satisfied. 
I am concerned that this company is not keeping accurate books for their clients. The way the statements read appears that there is still an amount due and that is misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-31 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: NY

Complaint narrative:
Equifax has come to a different conclusion twice wrongly, without providing justification. 
I am only convinced that evidence has been ignored. The investigation report I have received shows only month of payment but not the actual date or day in the month of XXXX. This is however, inconsistent with how the other months have been presented. 

When the evidence is before you and you come to different conclusion, the process will no longer support the analysis. 

It only make sense that actual payment made on time be reflected on credit report. My balance for the billing cycle should be XXXX. 

Does class, race, ethnicity etc. play a role in investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. 
I am requesting for this accounts to be removed from my credit report intermediately.

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 2019-08-31 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: IL

Complaint narrative:
Sent my first dispute letter, dated XX/XX/2019 to Equifax and they received the letter via certified delivery on XX/XX/2019 @ XXXX XXXX. I NEVER received a written response from Equifax regarding this matter. This credit bureau was clearly in violation and not in compliance of the 30 day rule in responding back to me. I reached out again in sending a second dispute letter, demanding they remove the inaccurate, incomplete and erroneous accounts as outlined in my first letter because of their non response and again, being in violation of the 30 day compliance rule. This second letter was dated XX/XX/2019 and Equifax received it via certified delivery on XX/XX/XXXX at XXXX XXXX. Again, I received NO written response from Equifax, who was clearly in non compliance of the 30 day response rule and Now ... in violation and not in compliance of the 15 day response rule. Also, all mail coming to my residence is tracked on the USPS Daily Delivery Digest. To date, there has not been any mail/correspondence sent to my attention from Equifax. I am attaching all relevant support I sent to Equifax and am now including for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: World Acceptance Corporation
State: KY

Complaint narrative:
I have paid my account off with world finance and was told that if payment was that they in turn would delete from credit bureaus accounts are still showing delinquent payment status nothing has been changed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I discovered on XXXX.19 that my Citibank checking account had been closed. Not only had the account been closed, but Citibank had been applying a $ XXXX monthly maintenance fee for the last 9 MONTHS on my free checking account. I called Citi the same day & asked for a refund of these fees as it is a free checking account and identified as such on Citis website ( I have screenshots to prove this ). However, the Citibank rep was adamant it was not a free checking account and that a courtesy waiver had been previously applied and had expired, hence the last 9 months of fees. This account has been open for years, has never had monthly maintenance fees, and I was never provided notification of a courtesy waiver placement, the fact that it was temporary, or the fact that it had expired. To claim that an account is not a free checking account when Citis website explicitly calls it that is disingenuous and unacceptable. Citi claimed they notified me by mail, but the letter they referenced only states at some point your account was placed in another banking package and that fees may have been incorrectly charged and could be refunded, not that they would start applying fees!! To suggest that a letter informing me I may be entitled to remediation was instead supposed to serve as notification that Citi would start charging fees makes no sense and is unreasonable. Citi did not provide any documentation as evidence that I was notified of these fees, agreed to these fees, or that my free checking account would now be accruing monthly maintenance fees.

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 2019-08-31 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: NY

Complaint narrative:
XXXX has come to a different conclusion twice wrongly, without providing justification. 
I am only convinced that evidence has been ignored. The investigation report I have received shows only month of payment but not the actual date or day in the month of XXXX. This is however, inconsistent with how the other months have been presented. 

When the evidence is before you and you come to different conclusion, the process will no longer support the analysis. 

It only make sense that actual payment made on time be reflected on credit report. My balance for the billing cycle should be XXXX. 

Does class, race, ethnicity etc. play a role in investigation?

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 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

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 2019-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/2019 I refinanced the mortgage I had with Wells Fargo, acct # XXXX. The money to payoff the loan was a wire transfer from another financial institution. At the time there was an Escrow balance of {$6500.00}. As of XX/XX/2019 I have not been refunded my funds. I have emailed the company several times buy have not received a satisfactory response. Is there a legal time frame for them to refund my money?

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 2019-08-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a freeze on my account today I wanted somebody to pull my credit, I called Equifax and I couldn't get a hold of a person to unfreeze my account. I tried the automated verification I put in the correct information and they said they didn't verify me. I tried to call and get an agent and I was unable to speak with a person. They requested I mail in stuff to verify. At the time if I had gotten the credit card at the tire place I would have gotten a {$70.00} discount. Because I could not speak with a person to get this straightened out they cost me {$70.00}. I am requesting that they pay me the {$70.00} that it cost me. since they were unable to let me get a hold of a person and refuse to transfer me from the automated system I feel like they owe the money that I would have saved had I been able to unfreeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ARS National Services, Inc.
State: GA

Complaint narrative:
I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Innovis
State: GA

Complaint narrative:
I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PA

Complaint narrative:
I recently just applied for a new Discover Card account on XX/XX/2019. In the previous years I've had two discover card accounts ; Open road ( which is no longer a card ) and Discover IT. in which I closed both cards personally. Their was fraud on the Discover IT card, Discover closed this at my request and also they gave me an interest are of 0.99 % for closing the account and to pay it off. I was NEVER told that this will refrain from me getting a discover card in the future. Every time I apply for a discover card it says as the reason it was declined is - STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT is the whole reasoning. I have talk to so many customer service people at XXXX and XXXX and they stated to me that they can't change anything to get me approved, meanwhile I have perfect credit and had/have excellent payment history with discover and NEVER missed a payment, also I have two ( 2 ) student loans with Discover as well. I feel discriminated. No one at Discover wants to help with this issue and says its the " computer. '' and that they can not change it, ive asked them how long will this take, Discover informed me they are not sure. I ve NEVER heard of anything in my life in regards to this situation. I was offered a lower APR rate to pay off the account, I was never informed of any paperwork and or statements to me that I would not be able to get a discover card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

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 2019-08-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Sent my first dispute letter, dated XX/XX/2019 to Experian and they received the letter via certified mail on XX/XX/2019 @ XXXX XXXX. I received their response on Monday, XX/XX/2019. Their letter was send via First Class Mail. According to USPS, First Class Mail takes 1-3 days to be delivered. Thus, Experian 's response to me was over the 30 day violation and Not in compliance of this rule. I have all of my mail tracked by USPS daily delivery digest ... so I know all incoming mail/packages coming to my address. ( I have attached this print out as proof/support of my complaint ). Since I received their response on XX/XX/2019 ... according to the timeline given by USPS for first class mail ... .they mailed their response to me on or after XX/XX/2019. I attempted to reach out to them again with a 2nd dispute letter, asking them to delete my accounts because of their non compliance to the 30 day rule violation. This letter was dated XX/XX/2019 and was received by Experian via certified mail on XX/XX/2019 @ XXXX XXXX Their second response to me was received within the 15 day rule ; however, no accounts were deleted from my credit report.

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 2019-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have paid my account off with XXXX XXXX and was told that if payment was that they in turn would delete from credit bureaus accounts are still showing delinquent payment status nothing has been changed

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 2019-08-31 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I have paid my account off with XXXX XXXX and was told that if payment was that they in turn would delete from credit bureaus accounts are still showing delinquent payment status nothing has been changed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31 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:
Chase United Club and Sapphire Prefered has MISLEADING customer service practices. I experienced two instances of misleading advertising and customer service first I opened my United Milage card, online it promised both a free year on the card and XXXX extra mileage points if the customer spend {$3000.00} on their first three months. I received the former but not the latter. They said that they did not have that written on my account - this was absolutely not true and should have taken a screen shot of their offer. Second, as I was trying to close all my accounts, they offered my a {$60.00} statement credit to keep the account open. I tried to close it twice, and they gave me {$120.00} credit to keep it open.They did not mention that I had to keep my account open for the whole year. They said it was implied that I had to keep it open for a year.

Company response to consumer: Closed with explanation