vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On XX/XX/2019 I was purchasing seats on a round-trip flight when I noticed a promotional banner ad encouraging me to sign-up for a XXXX credit card ( with a {$100.00} account credit if I used the card for the XXXX flight I was purchasing. ) I applied and was approved for the card, but when I was navigated back to the checkout page I was informed the rate / fare for the seat had increased! When I was finally able to re-confirm my seat I noticed the price of the seat had gone up by {$70.00} ( effectively negating the discount I put a hard inquiry on my credit report to get in the first place. ) This seems like complete bait-and-switch to me when the price goes up at the same time I am approved for a credit of nearly the same amount.

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 2019-03-28 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: CA

Complaint narrative:
i have been disputing 5 fraudulent accounts from my credit file, for which are reporting on my equifax credit reportings, i have started disputing these inaccuracies and fraud accounts since XXXX of last year ( XX/XX/XXXX ), but so far equifax has not been able to remove these fraud accounts from my credit file. i have submitted a police report several times and not only that has not help, they have given me so much stressful life and living, i am not able to even rent a car let alone buying one, my life has stopped and has been the most stressful and depressed life someone could have. please you are my only hope to resolve this issue with equifax and this disaster of mine. 
i had resolved my XXXX and XXXX  issues with in 6 months, but equifax has been giving me trouble and a very difficult time. 
i called XX/XX/XXXX equifax for the last time, and they still were not able to help me and literately XXXX me and my life. 
i hope in the name of XXXX that this complaint would being me justice and resolve my credit issues, unfortunately as you all know credit here is the most important subject even more important than apiece of bread. let alone being a fraud victim and caring all these inaccuracies on your shoulders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT WORLD SERVICES, INC.
State: KS

Complaint narrative:
I have tried to remedy the issue that Credit Word caused as Credit Work indicated to me that XXXX could not remove a discharge debt from my report because of two social security numbers. In fact it was not two ssn 's but rather my deceased husbands DOB XX/XX/XXXX was on my report. Credit Word is notorious for reporting incorrect data so i am going to get this resolved through CEPB. Attached please find the bankruptcy discharge notification and a copy of the requested drivers license with my DOB, XX/XX/XXXX. I expect that the debt for XXXX placed by Credit World to be removed as all the requested documentation is included in the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: NY

Complaint narrative:
Hello I have a XXXX account back In XX/XX/2019 there was a late fee which they said they would remove. I have called them twice now and both times they said its not them it's transunion, XXXX, XXXX. Today 's date is XX/XX/2019. The other times I called XXXX was Back In late XXXX and XXXX. 

I was looking through my credit today and noticed it was never removed. Was told by the company that this is the best site to resolve problems so I am hoping this get resolves quickly as there should be no late fee 's on my XXXX account. 

Sincerely, 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 2019-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
The phone number for XXXX XXXX went dark after they deposited a check deducting {$1400.00} from my account. Chase said the check was fraudulent and closed my account while still accepting my funds to cover the insufficient funds. Chase said I can dispute everything after the check has cleared, but how can that be if it is fraudulent? I was told by XXXX I can open a new account but at the bank I was denied that chance due to a negative balance from all the fees Chase charged. They treated me like I was a criminal when I was the one who was hacked!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I received a letter from a company called " EOS CCA '' explaining to me that they are offering a settlement offer for an unverified debt from " XXXX XXXX '' that I supposedly went to in XXXX of 2014. I never went to a that hospital around that time. I have tried to call them several times and they do not answer, yes I am calling around their open business hours according to the letter I received. This is a fraudulent SCAM and this company should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Had a XXXX XXXX  XXXX card through Synchrony bank, which was paid off thru XXXX XXXX and the agreement was once paid that all information would be deleted for pay. I called and spoke with XXXX concerning my XXXX XXXX XXXX ending in XXXX open XX/XX/XXXX Spoke with XXXX in Customer Service at Synchrony on XX/XX/XXXX, she stated that my balance is showing XXXX. She was not sure as to why it is in a charge off status. This should be XXXX balance and deleted for pay per the agency that they hired and I paid in full. My name when I had this account was XXXX XXXX and now is 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 2019-03-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello I have a XXXX account back In XX/XX/2019 there was a late fee which they said they would remove. I have called them twice now and both times they said its not them it's XXXX, XXXX, equiafax. Today 's date is XX/XX/2019. The other times I called XXXX was Back In late XXXX and XXXX. 

I was looking through my credit today and noticed it was never removed. Was told by the company that this is the best site to resolve problems so I am hoping this get resolves quickly as there should be no late fee 's on my XXXX account. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello I have a XXXX account back In XX/XX/2019 there was a late fee which they said they would remove. I have called them twice now and both times they said its not them it's XXXX, experian, XXXX. Today 's date is XX/XX/2019. The other times I called XXXX was Back In late XXXX and XXXX. 

I was looking through my credit today and noticed it was never removed. Was told by the company that this is the best site to resolve problems so I am hoping this get resolves quickly as there should be no late fee 's on my XXXX account. 

Sincerely, 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 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
On XX/XX/2019 I called to settle a debt with the company. I verified my information and corrected my address since they had my old address. I then settled my account. After I finished I asked about settling my significant other 's account. I gave his name and said the debt would have been under the same address. I was told they could not discuss his debt nor take a payment from me for his debt. Four weeks later, I have a letter from the company in regards to his debt. If I'm not mistaken it was stated that the information obtained from me was to be used solely for the collection of my debt. Instead, it was used to up date his account to collect his debt. A debt that they refused to take payment on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, For some reason I am not appearing on any of the credit companies. I have been an authorized user on a few of my cousins accounts. I been using those cards building credit. But it never seems to show when I look up my credit score. 

I am hoping that they look deeply into this and see I have been making payments and doing what I need to do to build credit. 

I go back and fourth between my cousin 's house and mine and get mail at both but for some reason nothing shows. Was just on my credit karma account today. This has been going on a few months now.

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 2019-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This happened in XX/XX/2017. I received a quickpay from someone ( " XXXX XXXX XXXX '' ) who wanted me to buy XXXX Giftcards which got flagged by Chase. I later called them to tell them that the person whom I received the money from is a scammer. However, they decided to make it such that my account would be locked unless the person who sent the quickpay calls Chase and confirms the quickpay. But the problem is I don't know the person and I couldn't contact him after that. A few weeks later, XXXX forced me to close my checking account and suspended my internet banking access. This makes me paying my credit card bills extremely inconvenient as I have to make phone payments. I tried complaining to the XXXX  back in XX/XX/2017 which got my internet banking access reinstated for about 2 weeks. However, Chase once again shut that down. I'm only making this complaint now as I didn't know the CFPB is another avenue I can try to get back my internet banking access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: ID

Complaint narrative:
On XX/XX/2019 a letter was mailed to me by Enhanced Recovery Company. I received this letter approximately on the XXXX of XXXX. This debt that they are trying to collect is from XXXX for the amount of {$690.00}. The origin date of the account is not listed on my credit report, the date field is blank displaying -- / -- and only displays a XX/XX/2019 date. This is not a current debt of mine and the dates are completely false. The day I received the letter I also received notifications from the credit bureaus saying that a new collection account was added and my score plummeted. I immediately disputed this with the bureaus. They have illegally reported this to my credit report prior to the 30 days that I legally have to dispute this. I have received no validation from this company with any dates and they have tarnished my credit. Everywhere I have read is that this company, as early as a year ago, was not able to report to the bureaus because of previous instances. I would assume it was something along the lines that they are trying to do me. I feel that this is a direct violation of the FCRA and stated in their letter I have 30 days to dispute this which I have and they are still reporting to the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Account # XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, Experian or XXXX ) this action might constitute fraudunder both Federal and  State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-03-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted this company on XX/XX/XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims.

Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. 

Below are the fraudulent accounts that I need to be removed : 1. XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Balance {$7100.00} 2. XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1400.00} XXXX. XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$170.00} I am attaching all the documents I sent to them earlier for your reference

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 2019-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I lived in apartment complex for 2 years until a Maintance man made it very uncomfortable and was entering my home with no orders I was at a month to month lease by then. I was told to as long as I gave notice it would be fine because I have until the XXXX of each month.I have pictures of apartment left spotless and they never gave me my deposit back which was {$650.00} and they billed me for a months rent which is all false I am going to try to get a smalls claim court order but they are robbing me blind I  have never been a late payment type of person on my rent I can get that in writing from each land lord.I have had the last 15 years.

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 2019-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX XXXX XXXX  XXXX   Account # XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX XXXX or TransUnion ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL 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