vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Second request : I submitted a request for collection agency XXXX XXXX, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said XXXX XXXX is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.

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 2017-08-28 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: FL

Complaint narrative:
I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC . Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- reporting twice XXXX XXXX XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Fay Servicing stated verbally on a recorded line, that if I agreed to the trail modification and made 3 consecutive payments during the trail, I would be granted a permanent modification as well as debt forgiveness. I owned over 100k more than what my property was worth at the time and it made reasonable  sense to agree to the modification with the stipulation that I would be granted debt forgiveness, that would forgive XXXX from the loan. I fulfilled my end of the agreement, made XXXX consecutive payments but, Fay Servicing did not fulfill their end on the agreement and was told that, they could not honor the agreement and grant debt forgiveness that would forgive XXXX from my mortgage, thus bringing my mortgage amount to reflect current value because my property is not located in the state of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: Ardmore Finance Corporation
State: MO

Complaint narrative:
On XX/XX/XXXX I received a text message from my supervisor that someone from Ardmore Finance named XXXX contacted her and that I need to call them so that a sheriff wo n't serve me at work. The information should not have been said to my supervisor and on XX/XX/XXXX I verbally advised them to not contact my job and they had no right to release that information to my supervisor. On XX/XX/XXXX I received another call at work at XXXX after advising them to not contact my job and that I will contact them from my cell phone and was then hung up on.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I received a notification on X/XX/2017 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had purchased a firearm through XXXX XXXX XXXX, a subsidiary to XXXX XXXX XXXX XXXX, through their line of credit for {$700.00}. my initial intention was to pay the minimum payment until I accumulated enough money to pay it off directly to avoid APR. I purchased it in XX/XX/XXXX and the first payment was due on XX/XX/XXXX. I linked my XXXX debit card to the account online and made my first payment of {$27.00}, their minimum payment onXX/XX/XXXX at approximately XXXX. When I made the payment, it was taken out of my account and noted in my transaction record. About a week later I received a notice from XXXX XXXX XXXX  XXXX through email stating my payment was declined and to try again. I promptly called their corporate office to which no one could give me an answer and they kept transferring me to other offices and their representatives kept answering around my question. I called my bank and they told me that there was n't a problem on their end and that everything was fine on their end. This has happened on four occasions now and I recently received a call demanding payment from their corporate office in XXXX XXXX, Ohio. I now have a late fee of {$68.00} because of their incompetence. On top of this, I am trying to open a business and I am concerned that these events are negatively affecting my credit score and are hurting my chances of starting my business. I would like at the very least, to have this case investigated and my overage fees taken care of and given a resolve to my issue. Thank you for your time.

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 2017-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
on X/XX/2017 a representtive from online collections grvl spoke to someone other then my self at XXXX XXXX. 
i did not authorize they speak to anyone other then me. 
the woman on the phone allegdly gave information pertaining to a image conslulting comna that specilazes in XXXX 

i did not want this information to told to anyone, this is HIPPA! PRIVACY ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went in to Rooms to Go to look at sofas for my home in XX/XX/XXXX ( this was such a minor thing I do n't even remember the date ) and was told by the sales lady that she was checking to see what I would be approved for and what kind of couch I can purchase. Fast forward to today ( XX/XX/XXXX ) and I get an email saying I have a rooms to go credit card with synchrony bank for {$2000.00}. I never bought a couch from rooms to go. The sales lady was very pushy and took a hardline stance that it was important for me to look at what I can afford through the store card. I trusted her and as a result I have a card I never wanted or was aware I applied for and adjustments to my credit.

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 2017-08-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I received a pre-approved offer from USAA on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX which included a {$200.00} reward bonus after making 12 qualified purchases byXX/XX/XXXX as well as 0 % APR until XX/XX/XXXX. I applied for the card, and after a long and tedious approval process due to errors on their part, I received the card around XXXX. I made the 12 qualified purchases byXX/XX/XXXX, and confirmed as much prior toXX/XX/XXXX. I received an email onXX/XX/XXXX stating the deadline for completing the 12 purchases had been extended toXX/XX/XXXX, all emails from them with this offer stated the {$200.00} cash reward bonus would be credited within 90 days after the end of the promotion. I called in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX inquiring why I had not received the {$200.00} cash rewards bonus. I opened several " tickets '' with them, and was finally told inXX/XX/XXXX that several people who took advantage of the promotion had not received the bonus and that it was a " known issue '' that they were working on and did not know when it would be resolved. I tried calling again inXX/XX/XXXX and got the same response. It is now days away fromXX/XX/XXXX, 9 months since the original promotion ended, and I still have not received the {$200.00} nor do I have any indication when the money will be received. USAA has confirmed repeatedly that I am owed this money and that I upheld my responsibilities in order to be eligible to receive it, and I have supporting written documentation from them to prove that. As such, it feels as though I was misled through false advertising along with several others who have not received this money. I have tried contacting them to no avail, including speaking with their executive resolution team, and feel I have no other choice but to involve CFPB.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
About a year into the loan I went on the company 's web site and made a {$5000.00} payment ... mostly principle ... the web site showed in red letters that the payment did not go thru, try again, so I did ... ..my checking account was charged for {$10000.00} and was overdrawn ... .the web site states specifically that one can not make two principle payments on the same day which is what they tried to do ... the printout of my account with them shows exactly that ... .they have refused to pay the overdraft charge from my bank ... .it has been a year and I have stopped paying them except for sending them {$1.00} at payment time last month and will continue to do so until they make good on this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28 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: NY

Complaint narrative:
Equifax has outdated and incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: CA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( EXPERIAN, XXXX AND XXXX ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup thank you

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 2017-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
X/XX/2017 went to Chase Bank to request amount of HELOC full payoff. Bank employee called as I waited and gave me amount of payoff, {$90000.00}. Paid that amount in full at that time. Was subsequently charged an additional {$470.00} as " interest and fees ''. They can not adequately explain this. I wonder if they do this to everyone paying off a HELOC hoping customers are confused. How can I be charged " interest and fees '' if I pay the loan off in full?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and am FOR THE 3rd TIME disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # Reason for Deletion XXXX State Error. Not Reported by XXXX. Vacated/Dismissed. w/o Prejudice. 


According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

I am also requesting a full explanation of why this reinvestigation/Equifax has violated the Fair Credit Report, in that this investigation has taken WELL OVER 30 days. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report,  which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: CA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( XXXX, XXXX AND TRANSUNION ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup thank you

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 2017-08-28 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: CA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( XXXX, EQUIFAX AND XXXX ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: AZ

Complaint narrative:
i currently have 2 loans with XXXX 's XXXX XXXX -- i have 2 payments due on theXX/XX/XXXXof every month. I have been current and on time with them until last month. I have paid them every single month, last month i was late and this month i am late on ( 1 ) one payment. they call my house 3 times a day, but immediately after calling my house phone they are calling my cell phone 3 times ( total of 6 ) onXX/XX/XXXX they called my house 4 times i have told several of their reps that i can not pay until theXX/XX/XXXX, and that i would call them with a payment. they then tell me NO I have to give them a form of payment TODAY. i explained to them that i did not want to give them a form of payment and that i would CALL MY PAYMENT IN ON THEXX/XX/XXXX. and they can stop calling me. I gave my credit card info to one of their representative over the phone on wednesdayXX/XX/XXXXand asked they stop calling and they need to wait untilXX/XX/XXXX to withdrawl the {$120.00} from my account. when i pay this on theXX/XX/XXXX i am not even a month late!! only 2 weeks, but they call 3 times a day and on theXX/XX/XXXX after i had given my credit card and asked not to keep calling i still recieved and spoke with, at least 6 or more people from Conn ' ; s telling them all the same thing that i gave my card information and i can not pay it until theXX/XX/XXXX 
they keep saying that i HAVE TO PAY TODAY OR GIVE THEM A FORM OF PAYMENT. which i already did, i told the lady, when i gave my cc information that i wasnt sure whicvh card i was going to pay with and why coulldnt i call on the XX/XX/XXXX... .she would not stop the phone calls until i gave it to her ... so i did ... .if she wrote it down wrong then i am sorry ... i asked them repeatedly to STOP CALLING MY HOUSE AND MY CELL -- its not like i am a month late ... .it starts the day after it is due ... .i have had 2 late payments with them as i am loooking for a job. 
here are the dates and times ; they have called my house and cell HOUSE PHONEXX/XX/XXXXXXXX pmXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX THIS IS TODAY CELL PHONE FROM XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX THIS IS NOT NECESSARY! After being told i CAN NOT MAKE A PAYMENT UNTIL THE XX/XX/XXXX ( i am only few days -- it will be 2 weeks late -- but REALLY??? 

i will send ( which i thought i had already ) them another letter to NOT CALL MY HOME OR MY CELL ) i am not like 2 months, not 2 weeks late ... there is no reason for the phone calls. when i repeatadly told them i can not pay until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28 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: NM

Complaint narrative:
Equifax, XXXX and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Opened the XXXX XXXX XXXX American Express card on XX/XX/XXXX. 

The bonus offer was XXXX bonus Starpoints if {$3000.00} of eligible spending was completed by the end of the first 3 months of Card membership based on the date of the Card Approval. 
The Bonus points would appear on my XXXX XXXX XXXX statement 8-12 weeks after the spend threshold was met. 
The Card was approved onXX/XX/XXXXThe {$3000.00} threshold was fulfilled onXX/XX/XXXX The account should have been credited with XXXX points onXX/XX/XXXX ( per an American Express associate ). 

OnXX/XX/XXXX, I spoke to American Express associate who informed me that I should have received the bonus promotional points. The accounts was not credited since XX/XX/XXXX since Amex had been having technical issues but that the account would be credited with the XXXX points within 10 days. 

On XX/XX/XXXX during a follow-up call with American Express an AMEX associate informed me that they were still working through technical issues and could not provide me with a date when my account would be credited with the points. At that time I asked if notification had been forwarded to card holder on the issue and the associate informed that might have been the case but could not confirm. To-date I have not received a notification letter. A complaint was filed and complaint number was provided XXXX. 

I have lived up to my end of the agreement by meeting the initial requirement to qualify for the promotional bonus within the specified time frame. The account is always paid in full and on time. My expectation is that American Express fulfill their end of the agreement. American Express has been delinquent on crediting the reward points for almost two months. If I would have been delinquent paying the account for two months American Express would have reported me to the credit reporting companies. For a major corporation to have technical issues impacting account holders for this amount of time is inexcusable and absurd.

Company response to consumer: Closed with non-monetary relief