vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to Equifax 's website XXXX to enroll in the free credit monitoring service. I clicked on the " enroll '' tab and then the " begin enrollment '' button. 

The website presented a " Getting Started '' form where I put my last name, 6 digits of SSN, clicked " I 'm not a robot '', and then clicked the " continue '' button. 

The website then presented a " Thank You '' page saying : " Based on the information provided, we believe that your personal information was not impacted by this incident. 
Click the button below to continue your enrollment in XXXX XXXXXXXX. ". I clicked on the " enroll '' button. 

The website presented a form for XXXX XXXX ( XXXX XXXX XXXX XXXX  ). I filled out the personal information, contact information, identity verification, and read the terms and conditions. 
I clicked on the " continue '' button. 

The website presented a page saying : " We have successfully received and are processing your information. Next Step : You will receive an email with a link to finalize your enrollment and activate your product. '' I have not received any email from Equifax. No attempt has been made to deliver an email from Equifax to my email server. No attempt was made to verify my identity using the phone number provided for " identity verfication ''. 

Equifax has not done what it promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: FL

Complaint narrative:
I have cancel my card as soon I found out they took an yearly fee. I told them I do not want another year and they refuse to refund. I told them to cancel my card. I get a bill for XXXX 2 month later. I try to tell them they owe me money ... and they hang up the phone. I feel I been taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Like everyone else, I have no idea whether my personal information was compromised by the Equifax hack. I attempted to sign up for the company 's TrustedID Premier service that it is offering to people whose information may have been compromised. I filled out the form on the website, but did not receive a confirmation email until 3 days later. I was instructed to click a link to confirm my registration, did so, and then was told I had " already registered '' and should log in with my existing username and password. I do n't have an existing username and password, sparking fears that my information has already been hijacked or used by hackers. I then requested to reset my password and was sent a password reset link. I clicked that link and the site failed to load. It eventually loaded after several tries, then froze when I attempted to actually reset the password.
In short, I have no idea whether I have been enrolled in the monitoring service and apparently the company is completely unable to handle its own disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Td Bank is not updating my bank status to the apps I have connected to my account. In particular, XXXX. I constantly have to reconnect the bank, and they almost never send reports to the app

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: ID Analytics, Inc.
State: LA

Complaint narrative:
I have never once heard of XXXX XXXX   before this problem and because of them, I am even being denied short term loans that have no hard inquiries. They stated that XXXX was reporting a XXXX score back in XX/XX/XXXX OF THIS YEAR, and then a XXXX ... I had never even heard of these people ... when I know I have been working my XXXX off getting my scores up to past 660!! ... I even tried to get my score from them but there is no way in XXXX I am sending every single detail of my personal information to them in order to obtain the " info '' they SOMEHOW already have. I would love to have them shut down because it is causing a bunch of trouble and just screams SCAM!

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 2017-09-22 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: TX

Complaint narrative:
I have been making regular payments of {$25.00} to XXXX XXXX for purchases from XXXX XXXX. My payments are on time and regular, but I have made frequent payments early in order to co-inside with my Social Security paycheck. My payments are due on the XXXX of the month. They have been crediting my early payments to the wrong month and then charging a {$38.00} late fee for the month intended. It took me a while to finally figure out what they were doing and I now owe {$150.00} in late fees and other fees. I have made 12 payments as of XXXX XXXX. I have never been late or missed a payment. I do not have this late fee money and do not think I deserve to be charged.

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 2017-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We represent a seller in the short sale of his home. We have a Chase short sale approval letter that expires on XX/XX/XXXX. We scheduled this closing for XX/XX/XXXX and submitted the required closing docs for final approval to Chase via a message in XXXX on XX/XX/XXXX and asked them to open the closing task on XXXX as well. We also faxed the docs in and sent via an email to the Chase closer on XX/XX/XXXX. On XX/XX/XXXX, we had no reply from Chase, so we called them to open the closing task and found out our closer was not in the office. I said I needed the task opened and a supervisor needed to be contacted as our closing was now only 2 days away. They opened the closing task XX/XX/XXXX which we promptly completed on XX/XX/XXXX. I called again on XX/XX/XXXX and reached our closer. She indicated that she was out of the office Mon - Wed XX/XX/XXXX to XX/XX/XXXX due to a family emergency. I asked her for status of our final HUD approval and she said nothing had been done with it once she reviewed the file. She said she would try to rush the final review, but no promises. I called back again on the morning of XX/XX/XXXX ( scheduled date of closing ) only to be told that Chase could not accommodate our closing on XX/XX/XXXX and to submit a closing date amendment to extend the closing out 7 BUSINESS days along with a revised closing stmt dated 7 BUSINESS days out. I told them that this was unacceptable as we had done our part to get the final required approval and that Chase had dropped the ball. Buyer is going to have to pay {$510.00} to extend their rate lock that expires on XX/XX/XXXX. Buyer has items on a moving truck to move in today. Not sure what is going to happen to those items or who is going to pay to have them stored for 7 more BUSINESS days or where the buyers are going to live in the meantime. This is not a rare occurrence for Chase - this is a repetitive problem with Chase 's closing procedures. Other major lenders can approve a final HUD for closing in under 24 hours ... .Chase requires 5 days and then it still gets delayed. I ran this all the way thru a manager at Chase escalations and only got lip service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX XXXX I accepted a balance transfer offer from Capital One for {$6100.00} with a 3 % transfer fee and selected to have the amount sent via a connivence check. The check was sent to the incorrect address because a customer service rep mistyped it on my account. I have contacted their customer service several times and have been told to just wait. After 3 weeks I contacted them for a third time as was told the check was returned and will be destroyed ; however a new check can not be issued until the funds are credited to my account. The rep then proceeds to tell me that the credit will not be taken off for up to 2 billing periods and that I am expected to make minimum payments on funds that I have not received. They refuse to credit the account immediately and refuse to waive minimum payments while they credit the account. Capital One is putting the burden and cost of their clerical error on me the consumer which is something that is unfair and malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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 — Card was charged for something you did not purchase with the card
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax credit leak, I submitted a form on their website and they said " My information may have been effected. '' Could I get a direct answer? Some people get " Your information has not been effected. '' So is " may '' the new " Your information has been effected we just wo n't tell you that and ca n't tell you what information has been compromised ''? This is n't a reasonable response for customers and does n't provide an assurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: FL

Complaint narrative:
I want all information regarding a b/k over 9 yrs ago removed from my credit reports from all three reporting agency and to be advised when done!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have be working on a modification sinceXX/XX/XXXX. The property is worth on {$20.00} XXXX per boo Ocwen had done. 
I had been waiting then was told after that boo came back low in the XXXX month that I had to be writhin XXXX  month late on payments for a principal reduction. Then was told I had no income when I am self employed. Then now I am back in modification which I do appreciate XXXX Help but their is some suspicious activity. I have untilXX/XX/XXXX to submit my docs and XXXX survivors block my email address that I have proof to avoid my lease and docs request onXX/XX/XXXX. I still do n't know if they have my completed package. I also ask for a workout deal. Ocwen reps said no. Then I got a call onXX/XX/XXXX from some lady that XXXX told them to call me to ask for which address to send public records to when Ocwen new I was in a active modification and had tilXX/XX/XXXX to send in additional docs. I feel XXXX is trying to not help me save my property. ALSO OCWEN IS HARASSING ME NOW. HAD SOMEONE DROP OF COURT DOCS XX/XX/XXXX WHEN THEY KNOW I AM TRYING TO SAVE MY PROPERTY AT XXXX XXXX XXXX XXXX and refuse to give me a reduction in princip when they know the property is not worth {$70000.00}. All the units in the building two were sold for {$12000.00} and that is recorded.

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 2017-09-22 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: UT

Complaint narrative:
I disputed the information with all three credit bureaus, XXXX, XXXX , & Transunion, who will not remove an invalid hard inquiry. I submitted a letter to them explaining that XXXX XXXX XXXX XXXX out of XXXX, Utah promised me that they would only use a soft inquiry and not a hard inquiry because the credit union changed my account included in chapter XXXX bankruptcy to a current charge off status. The credit bureaus will not budge or work with me. 

Transunion will not remove an invalid inquiry. XXXX XXXX XXXX XXXX XXXX XXXX, 2017 This has to do with annual credit report dot come. Anything pulled by the consumer is a soft inquiry because the consumer, being me, is the one that is requesting their credit report. It is being reported as a hard inquiry.

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 2017-09-22 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: FL

Complaint narrative:
You have not responded to my requests in the 30 day period which is a clear violation of the FCRA delete the accounts.

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 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XXXX XXXX, XXXX, I used a promotional balance check from Capital One credit card company. I had a note on my calendar that the promotional due date expired on XXXX XXXX, XXXX. So, in order to avoid any interest charges, I was preparing my finances to pay the balance in full. I logged on to my account in order to verify my information and discovered that i could not locate ANYWHERE on the website the terms of the promotional agreement. It is also nowhere on my statements. I called and spoke with XXXX representatives, an initial customer service rep and then a supervisor, and was told that that information is not available anywhere on the website or my statements and that they could only verify the terms verbally. I requested an email or some sort of written documentation and was told that they were unable to provide that to me. My concern is that they have the promotional end date as XXXX XXXX, XXXX, which is 6 months later than what I have. I would like the full benefits of my original agreement, but as I am sure you understand, I am not comfortable taking their word for it. I have made notes as to names, dates, and time. My request for help is that I receive some written documentation of the agreement. My question is, How is what they are doing even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
This collection agency by the name of XXXX XXXX XXXX currently has a debt under my name from XXXX XXXX. I called on XXXX2017 at XXXX to make a deal on paying this account in full and spoke to the Manager who did not reveal his name. I asked him if I had the option to pay this account online or via phone by making partial payments. He told me I did not have the option to pay the balance I owe online and that I had to make a one-time lump sum payment through the phone. I tried to reason with this agent and told him that I was only able to make partial payments towards paying off the balance but once again I was unsuccessful in coming to a convenient and reasonable payment arrangement. I ended the call by thanking him.

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 2017-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have not responded to my requests in the 30 day period which is a clear violation of the FCRA delete the accounts.

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 2017-09-22 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: FL

Complaint narrative:
You have not responded to my requests in the 30 day period which is a clear violation of the FCRA delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Dual tracking with ShellPoint, never got back asking for more docs going over multiple times, complete packets gone in. Still setting sale date and proceeding been sold over and over and I have Been trying to resolve since XXXX. No court action from XXXX while turning in modification packs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
A company called " The Bureaus Inc '' is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$4600.00} but I have never done business with them and I have never received any responses to my requests for information. The account number on my credit is : " XXXX '' with an open date of XXXX 2013. I am getting all of this account information from my credit report. According to my report, it seems that this debt was related to an old XXXX XXXX account but this is what does not make any sense. I do have accounts with XXXX XXXX but all of them are in good standing. I have two active XXXX XXXX cards that I 'm currently using and paying back. If what this company is reporting is true and I really had a bad account with XXXX XXXX I would not have two open credit cards with them that I am still using. This collection agency is trying to scam me and they are refusing to verify why they are charging me this money. This is why I am filing this complaint. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. There is a 100 % negative review rating on the XXXX XXXX XXXX XXXX website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
requested back up for debt commonwealth stating that I owe. ( my original letter attached ) this is the 2nd complaint I have filed and no results from company they sent a 1 page letter ( attached ) there is NO Back up Here is the response they sent thru your website and now it was closed out. 
I WILLNOT CALL TO DISCUSS INFORMATION WITH COMPANY I WANT DETAILED BACK UP TO SHOW DETAILED INFORMATION ON THIS DEBT all you get is the run around responded Status Company responded on X/X/2017Response TypeClosed with explanation Company 's Response RE # XXXX {$180.00} To Whom It May Concern : This letter is confirmation that a complaint was received from your office on behalf of XXXX XXXX, Please be advised there is no documentation on the above account that the attached letter was received. Commonwealth Financial Systems will send XXXX validation of debt. Collection activity will cease while the account undergoes investigation and in addition our agency will send a deletion request to the three major credit reporting agencies. XXXX can contact our office should she have any questions by calling our toll free number XXXX ext XXXX. This extension will put her directly with our collection manager, XXXX XXXX XXXX. She can send any correspondence that may prove that she is not responsible for this debt to our office by mail XXXX XXXX XXXX XXXX XXXX, PA XXXX, fax { XXXX } XXXX, or email XXXXXXXXXXXX. Please do not hesitate to contact my office for further assistance. Thank You. Sincerely, XXXX XXXX Client Services This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation