vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 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: CA

Complaint narrative:
On XX/XX/19, I sent a follow up letter to TransUnion requesting they re-investigate the verification of a collections account with the company : XXXX XXXX XXXX, in which they replied, explaining the account had been verified. In the follow up letter I requested the procedure in which they used to verify the accuracy of the reporting. I asked that they provide me with names, addresses, telephone numbers of each person contacted regarding this alleged account. As well as any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. I specifically noted that any automated response or e-oscar verification would not be accepted. XXXX  did not provide me with anything that I requested from their re-investigation. I'm asking that the fraudulent account be removed from my credit report immediately. Thank you for your attention in this matter.

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 2019-03-13 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: GA

Complaint narrative:
I have been a victim of TranusUnion inquiry issue I called their customer service but he would not help and take care of the negative inquiries reporting on my credit report these items on my report are affecting me tremendously.

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 2019-03-13 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:
On XX/XX/19, I sent a follow up letter to Experian requesting they re-investigate the verification of a collections account with the company : XXXX XXXX XXXX, in which they replied, explaining the account had been verified. In the follow up letter I requested the procedure in which they used to verify the accuracy of the reporting. I asked that they provide me with names, addresses, telephone numbers of each person contacted regarding this alleged account. As well as any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. I specifically noted that any automated response or e-oscar verification would not be accepted. XXXX did not provide me with anything that I requested from their re-investigation. I'm asking that the fraudulent account be removed from my credit report immediately. Thank you for your attention in this matter.

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 2019-03-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I used my citi credit card to purchase an XXXX XXXX egift card from XXXX, but they emailed me an obvious invalid gift card. 

I tried to contact XXXX but got nothing fixed. Then I disputed the charge with Citi bank, but I got the answer from citi bank very disappointed. They only collect the proof from the merchant which I did make the purchase myself, but didn't investigate if the gift card they emailed me valid or not. They finally charged me for this transaction. I got charged {$610.00} for an invalid, fraudulent gift card, not even one penny in it! This really drove me crazy!!!

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 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hello, I have the Chase Sapphire Reserve Credit Card, mostly because of its travel benefits. I am traveling to XXXX with the card and in order to obtain my visa, I just need a simply letter that says " for the duration of the trip, this person is covered by the Travel Insurance provided by the card ''. 

In XX/XX/XXXX, I called Chase asking for this letter and they forwarded me to their Rewards department. The Rewards department was extremely rude and hostile and told me they could provide me no such thing. 

On XX/XX/2019 I submitted a note through the Chase contact options. I explained what had happened, the fact that I had to pay {$82.00} for a different health insurance policy in XXXX because they would not provide me the letter, in addition to the {$450.00} a year I pay on this card to have benefits like travel insurance. 

On XX/XX/XXXX, after back and forth, I received this email : We apologize for any inconvenience you may have experienced and we understand your concern. 

I'm an account supervisor with the Secure Message Center and will be happy to assist you with your Chase Sapphire Reserve. 

Please be assured we've documented your complaint about your attempts to secure a travel letter and the additional policy. I have forwarded it to the appropriate area of Chase for further review. 

Regrettably, we are not able to reimburse for the additional policy. We base this on the terms and conditions of the Ultimate Rewards program  agreement. 

Please be assured that I have forwarded your concerns to our Feedback Team. This team is in place to review our processes to improve the customer service experience. 
While no immediate changes may be made, we always welcome and appreciate feedback from our customers as it allows us the opportunity to improve. 

A multi-billion dollar company can not reimburse me {$82.00} for a flaw in their policy and guidelines. They then closed the chat so I could not follow-up or ask to work with anyone else, silencing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: NY

Complaint narrative:
EQUIFAX REPORTING HARD INQUIRIES ON MY ACCOUNT THAT ARE NOT MINE! 

I CONTACTED ALL THE CREDITORS AND THEY CONFIRMED THAT THOSE INQUIRIES ARE FRAUD! 

FOR SOME REASON EQUIFAX IS REFUSING TO REMOVE THEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
A certified letter was sent to Louisiana Recovery to verify the debt which they claimed I owed. The post office stamped the date as XX/XX/2019, and I never received a letter back from them. The debt was never validated.

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 2019-03-13 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: TX

Complaint narrative:
I have an account with XXXXXXXX XXXX  appliance on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/XXXX I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XXXX payment and bring my account current in XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me. 

Account : XXXX XXXX XXXX XXXX Issue : 30 Day late mark for the month of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: ID

Complaint narrative:
I opened a checking account with Key Bank online on XX/XX/2018. At opening, I used code XXXX, which promised to give me {$300.00} after direct depositing {$500.00} and making 5 qualified debit card transactions within 60 days after account opening. Full text from the account agreement disclosure is : " OFFER IS AVAILABLE TO CLIENTS WHO DO NOT HAVE OR HAVEN'T HAD A KEYBANK HASSLE-FREE ACCOUNT, OR A KEYBANK CHECKING ACCOUNT WITHIN THE LAST 12 MONTHS. MAKE A DIRECT DEPOSIT OF AT LEAST {$500.00} AND A COMBINATION OF FIVE DEBIT CARD AND/OR BILL PAYMENTS WITHIN 60 DAYS AFTER ACCOUNT OPENING TO GET {$300.00}. DIRECT DEPOSIT TRANSACTIONS ARE LIMITED TO : PAYROLL, SOCIAL SECURITY, PENSION AND GOVERNMENT BENEFITS. LIMIT ONE GIFT PER QUALIFYING ACCOUNT. LIMIT ONE GIFT PER INDIVIDUAL. THE GIFT WILL BE REPORTED ON FORM 1099-INT. THE GIFT WILL BE DEPOSITED WITHIN 90 DAYS OF MEETING REQUIREMENTS. ACCOUNT EARLY CLOSURE FEE OF {$25.00} APPLIES. OTHER MISCELLANEOUS CHARGES MAY APPLY. ACCOUNTS OVERDRAWN OR CLOSED AT TIME OF FULFILLMENT ARE NOT ELIGIBLE FOR THE GIFT. '' By the end of XXXX, I have made {$1000.00} in direct deposits and 7 debit card transactions ; this corresponds to the offer conditions above. On XX/XX/XXXX, I made a call to the customer support to check if everything is fine with qualifications for the bonus. I was told that I was not qualified because SINGLE deposit of {$500.00} was needed ( there is no such word as SINGLE in the account description ). I called again to say that disclosure conditions shown above do not specify single or multiple direct deposit requirements. Support clerks insisted that the bank implied a single direct deposit in this agreement. Thus, there is substitution of the official terms in the account agreement by implications made to waive bank liability of bonus payment. In the case when parties sign written agreement, the agreement defines rights and obligations, and not subauditions by any of the parties. My offer does not say the direct deposit must be SINGLE or NOT MULTIPLE. It is unworthy for the reputation of the respected bank to ditch bonus payments using ambiguous offers conditions with hidden meaning. I do hope that Key Bank reconsiders its decision and issues bonus for using my money as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: LA

Complaint narrative:
Sent AFNI a certified notification to verify the debt they claimed I owed, and they never responded to the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: TX

Complaint narrative:
I have an account with XXXX 's appliance on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/XXXX I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XXXX payment and bring my account current in XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me. 

Account : XXXX XXXX XXXX XXXX Issue : 30 Day late mark for the month of XX/XX/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 2019-03-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have an account with XXXX XXXX XXXX on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/XXXX I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XXXX payment and bring my account current in XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me. 

Account : XXXX XXXX XXXX XXXX Issue : 30 Day late mark for the month of XX/XX/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 2019-03-13 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: Conn's, Inc.
State: TX

Complaint narrative:
I have an account with Conn 's appliance on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/2018 I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XX/XX/XXXX payment and bring my account current in XX/XX/XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: LA

Complaint narrative:
I sent Enhanced Recovery a certified notification to validate the debt they claimed I owed, and I never received a return letter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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:
THIS COMPANY IS HORRIBLE THEY SENT ME RESUKTS OF MY DISPUTE IN THE MAIL SHOWING IT WAS DELETED BUT ITS STILL IN MY FILE REPORTING IM A VICTIM OF IDENTITIY THEFT AND THEY HAVE MY POLICE REPORT TO BLOCK IT ANd they sent me the results showing deleted but its still reporting when I call they refuse to delete even having the evidence sent from them to me they claim they have a system error not being able to update my file or delete them their crazy and dont update it with the investigation results I received by mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX : Complete loan balance of {$240000.00} paid off in agreement with letter from navient stating 10day pay off amount XX/XX/XXXX : Received letters via email and mail stating that both accounts that I had with navient were paid in full. 

XX/XX/XXXX : Email received and first point of contact made by Navient stating that student loan was going into repayment. 

XX/XX/XXXX : Called Navient and spoke with representative XXXX XXXX and supervising manager XXXX XXXX. Informed that Navient had processing error and " found '' loan balance that has been accruing interest since XX/XX/XXXX. Stated I would be responsible of loan amount. Informed manager that last point of contact I received from Navient were 2 documents stating that both loans were paid in full. Unaware of any " balance '' Navient " found ''. XXXX XXXX said he would look into it. He emailed supporting documents but otherwise has been unable to be reached. Other representatives have tried to contact him but unreachable at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This refers to my previous complaint # XXXX regarding the repulsive treatment I received from TransUnion when requesting to view my credit reports online against my better judgment. The reason for this was my inability to obtain a telephone number where I could speak to a worker in my own country from hostile and rude overseas workers. I almost became sick when I read the ridiculous and slovenly response of the company who seemed to not comprehend my complaint. I was totally disbelieving of their removing my extended fraud alert. I responded to CFPB that none of the issues I mentioned were addressed and the horrible people of TransUnion REMOVED MY EXTENDED FRAUD ALERT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I demand that they replace MY EXTENDED FRAUD ALERT on all 3 credit reports from the 3 reporting services 1-TransUnion 2-XXXX  and 3-XXXX. They only made matters worse since I have gone through XXXX since my identity was stolen from my lawyer 's data base! This has been a 13 year nightmare. I will need the three credit reporting agencies to replace the extended fraud alert and send 3 corrected reports with the fraud alert clearly stated on them. There is no excuse for this confusion and never ending nightmare. Until I receive my 3 annual credit reports with the fraud alerts I will continue to file complaints. If I have to contact the president himself I will do so with this example of how something which should be fairly simple can become a long and torturous exercise in futility. As far as the original issues, I just give up-these agencies will never change. God bless America

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 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
I received a response to the last complaint I would like to see records of the credit report request and a copy of the companies information regarding who was contacted with a date printers in the bottom of the record. As far as sending or keeping me updated I was never called by the so called lawyer or credit repair people via phone or email I would like to see copies of thru emails with date and time as well as record of said phone calls the only contact I had was not by mail and was only maybe 10 to 15 times only done VIA by reaching out myself

Company response to consumer: Closed with explanation