vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Information Services, Inc
State: FL

Complaint narrative:
Hi, i had two police traffict tickets for XXXX XXXX XXXX XXXX XXXX XXXX : the first ticket was inXX/XX/XXXX or XX/XX/XXXX and the second police ticket was at the end of XX/XX/XXXX or beggining of XX/XX/XXXX. Now i received a letter from the company i applyed to work with that my criminal record it is still available or funtioning from XX/XX/XXXX until XX/XX/XXXX and the criminal report does not specify that was a XXXX  or XXXX XXXX XXXX XXXX XXXX XXXX. The job fair that i attended was organized by the career source of XXXX XXXX  where i was attending since XX/XX/XXXX because i am receiving economy monetary support of XXXX dollars monthly, but had many bad experiences while speaking with the persons that work at this office call : the career source of XXXX XXXX  locate in the city of XXXX. My first infraction ticket was in XXXX XXXX, XXXX, in XX/XX/XXXX or XX/XX/XXXX and the second ticket was in XXXX, XXXX. And in the paper report says that both tickets are name as XXXX  and XXXX. I think that one of the tickets was a XXXX   and not a XXXX. If you can help me with this criminal recorf that i have that i was denied employment offering by the XXXX XXXX XXXX and the work interview was inside of one of the offices of the career source of XXXX   XXXX  that are suppuso to help you find work but in my personal opinion it is a waste of time because they let private companies do whateber they want with persons trying to find a stable work. Thank you for reading my letter and personal concern.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There in accurate information reporting on all three bureaus. The balance of an auto loan was not consistent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2018 I sent Portfolio Recovery Associates, XXXX ( et al ), XXXX XXXX XXXX XXXX, VA XXXX a letter that they cease and desist in contacting me via phone - I sent this via registered mail, and have received the reply from the post office that it has been received. Today at XXXX XXXX on XX/XX/18 they contacted me on my Cell Phone about a dept. They called me from this same number at XXXX XXXX, XX/XX/18 as well. Both of these calls were made by them after they acknowledged receipt of my demand they cease contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There in accurate information reporting on all three bureaus. The balance of an auto loan was not consistent

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 2018-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There in accurate information reporting on all three bureaus. The balance of an auto loan was not consistent

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 2018-07-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Confirmation Number - # XXXX As of XX/XX/2018 I have tried for the 1001th time to gain access to my Equifax credit reports, I have submitted my PROOF OF IDENTIFICATION on more than one occasion, I have submitted my id, social security card proof of address. I am MAKING a complaint because they are charging me {$29.00} a month and I can't access my EQUIFAX credit report with the confirmation numbers they have provided! Again, I have tried to access my credit reports ONLINE since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, I stayed at a XXXX XXXX. Prior to staying at the hotel, there was a credit card authorization form completed and on file with the hotel. The hotel required me to use my card in question for incidentals. 

Upon check out, the hotel charged my card in the amount of XXXX us dollars. I did not notice the error until my biling statement. I notified the merchant and the credit card company, Bar Clay 's, of the error. The merchant, XXXX XXXX, has absolutely refused to fix this problem. Barclays denied the disputed charges at first and claimed, Barclays, they never received proper documentation. I resubmitted all of the documents a second time on XX/XX/XXXX at approximately XXXX P.M CT. 

The documents were sent via fax machine while I was serving on XXXX XXXX in the XXXX XXXX. The location was XXXX XXXX, XXXX XXXX. I have receipts proving this. 


Thank you for your assistance with this matter. 


I am doing this from my while away from my computer and can not attach documentation. I will be able to retrieve my documents later. Thank you for understanding.

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 2018-07-15 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My family and I are American Express platinum card holders. I pay XXXX $ in fees for the main card in addition for XXXX $ for additional cards. The company has advertised in its American Express offers and benefits page in my online account a promotion saying that if you purchase $ 1000+ of airfare at XXXX XXXX XXXX website, you receive XXXX points. I added the promotion to my account, and few days later I decided to buy my mother a round trip ticket to XXXX from a foreign location on XXXX XXXX for around {$1200.00} ( transaction dated XX/XX/XXXX ). I started my booking at XXXX XXXX XXXX. I book the ticket and the promotion was not honored. American Express claim that the transaction was done from a foreign location of XXXX XXXX and not through XXXX XXXX XXXX. Maybe this got triggered by the origin city of the flight, and switched to a different XXXX server. As a customer there is no way to know on what XXXX XXXX server the ticket is purchased. After filing a complaint with American Express, they did not want to honor their promotion. It was merely impossible to discern which server of XXXX XXXX of which country booked the ticket. The was other cheaper airlines choices out here and American Express advertising and promoting was misleading. They go and refer to a very technical terms and conditions that is very misleading. 
I try to file another complaint over the customer service phone line. The representative coldly say that they can do nothing and that they will document the complaint with no further follow-up.In summary, I pay more than XXXX $ in credit card fees a year for a very bad customer service for a luxury financial product.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent a letter to Experian on XX/XX/2018, stating the XXXX XXXX XXXX XXXX has reported an inaccurate address on my Experian credit report. The address that is on my credit report is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, it is incorrect. When I mailed the letter inquiring about this account the letter cam back undeliverable. I have requested Experian to delete the account. I sent two letters, one on XX/XX/2018, and another XX/XX/2018.

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 2018-07-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was notified by a credit alert from XXXX  about a flagged account being placed on my credit file. I immediately called XXXX  to dispute as fraudulent and within 3 hours the account was deleted. I also informed XXXX and they removed the account as well. My issue is with Equifax and they way they takse its customers personal information for granted. I have called and get a run around, I have sent certified mail to get no response and havetried disputing online and than to be told my information does not match what they have and Im directed to Equifax Web mail to submit my dispute. Submitted this dispute over a week and half ago with confirmation number through Equifax Web mail. Every time I call to get a status update Im told the confirmation number was not found. I have literally had it with this company. I have been unsuccessful trying to get this fraudulent account removed off my credit file. I have complained to my Attorny General but seems like the process is in limbo. Equifax does not protect consumers and they make it impossible to veiw, dispute or check a dispute online or by phone. I am sick and tired of getting a run around about my credit and it should never have come to this. This company does not protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC
State: NY

Complaint narrative:
XX/XX/2018 I am complaining about the service that I got from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  ( GreenSky, LLC ). XXXX XXXX started in XX/XX/XXXX on our kitchen and finish in XX/XX/XXXX. Now the water faucet do not work proper, it ' second faucet they put in.

We accept their working schedule and understood that there would be days that they could not work, but not stopping and be gone two weeks, come back work one day, then stop work take a other weeks. Our kitchen is not that big, it a small kitchen. The CREW 2 had a bad reputation for working on kitchens.

My wife became ill from the XXXX and frustration, that her kitchen was taken so long to finish, that she have be admit to hospital. She had to cancel dinners and wash dishes in the bathtub.

Yes we have been corresponding with XXXX XXXX  complaint center. Then it get like " passing buck '' to different representatives. Then all communication stop. Ms.XXXX XXXX, the XXXX XXXX representative said as soon as they finish we will be compensation.

I am asking for {$3000.00} be subtraction from my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CO

Complaint narrative:
The reason I am making a complaint about Blue Trust Loans is because I NOW know they are a " XXXX XXXX XXXX '' company, so they can escape state usury laws. I borrowed {$1500.00} from them on XX/XX/2018, and TRIED to make a {$300.00} payment a few days later to lower my interest, but they refused to take my payment. I have to wait till XX/XX/2018, and arranged to pay {$1200.00}. 

THEN on XX/XX/2018, I will STILL owe {$800.00} PLUS {$270.00} interest. So for a {$1500.00} loan, within a TWO MONTH period I will be paying back a total of {$2500.00} -- over a THOUSAND DOLLARS in INTEREST!

I let Blue Trust loans know exactly what I thought of them, and I have no doubt that THEY are the ones who sold my phone number -- I now receive twice hourly calls from area code XXXX. I keep blocking each phone number as it calls me, but I get another nuisance call from a different phone number out of area code XXXX. I am going to have to change my home phone number thanks to these crooks!

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 2018-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, someone was able to gain access to our checking account, create an XXXX XXXX card, and make an online purchase {$10000.00} from the XXXX XXXX at the XXXX XXXX XXXX Store in XXXX XXXX XXXX. They were able to do this by requesting a temporary daily purchase limit to {$11000.00} once they gained access to our account. 

On XX/XX/XXXX, I noticed the purchase on our account when doing my weekly check of the checking account. I made a claim on the day to recover our money. We told them that my wife received two strange phone calls on her cell phone on Saturday, XX/XX/XXXX at XXXX and XXXX XXXX. She called the numbers back and at the time, we thought she may have provided her social security number to an automated system that the scammer created. Bank of America provided a claim number ( XXXX ) and stated that it would take two weeks to do the research and provide a resolution. 

On XX/XX/XXXX, we received a letter stating that our claim was denied because it wasn't fraud because my wife provided her social security number to the perpetrator of the scam. I asked for an appeal because since then we gained more clarity of the situation with the phone calls. I faxed and mailed a letter with this discover which will be attached to this CFPB complaint. I will summarize the contents of the letter below : 1. As I stated, my wife received two phone calls at XXXX in the XXXX on XX/XX/XXXX. The first number was ( XXXX ) XXXX. This number is the main toll-free number from Bank of America. However, Bank of America stated that they would never call a client at that time of the morning. So, it is our assumption that this number was " spoofed '' by the perpetrator. The next call, which was a minute later, was from a XXXX area code. None of these calls were answered. 

2. At XXXX and XXXX, my wife called these numbers back. She called the XXXX area code phone number first. It was was a bad number, so there was no answer. Then, she called the ( XXXX ) XXXX, which is the Bank of America main toll-free number. The automated system that she provided information to was Bank of America 's. The phone records and cell phone log are appended to the letter which is attached to this complaint. 

In conclusion, we were denied because it was believed that my wife provided her information to the third party. However, we believe that this is the wrong conclusion because the information she provided was the Bank of America automated system at XXXX on XX/XX/XXXX. I am asking that the denial be reversed and our money be reimbursed due to the fraud on our account.

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 2018-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
XXXX XXXX did not record a Accommodation Recording Deed. The XXXX XXXX XXXX Recorders Office informed me that my property was purchased by my partner and and the Accommodation Recording never happened. In fact the Recorders Office claim that when I added my partner as a Joint Tenant several weeks before I removed my name from the Deed that I was paid {$75000.00} and when I removed my name from the Deed at the request of the mortgage company we used to refinance my property in order to purchase a second property the Recorders Clerk explained that I was paid {$170000.00}. I explained to the clerk that the {$170000.00} was the amount we borrowed on my property. The Title Company who did the escrow for the property we bought reviewed the Deed and assured me it was a refinance not a purchase price. My partner passed away without a will and borrowed {$95000.00} on my original home so we could purchase a third property. I never received any money for my property or sold my property to my partner. We had an agreement that he would remove his name as Joint Tenant on a fourth property, which is my primary residence and I would release ownership to the first property I owned solely ( the one we refinanced several times to purchase other homes ) My partner choose not to remove his name as Joint Tenant. The Recorders Office is making a claim that is not true. XXXX XXXX was purchased by Fidelity Title and claim they have no records for XXXX XXXX. Other XXXX XXXX Offices claim they can not help me. The fact that the Recorders Office claims my property was sold, than fraud was committed against my ownership. I understand that Deed Fraud is not rare and home owners do not become aware until they plan to sell or make a change to their Deed. I am claiming ownership to these properties, but fear I may lose my ownership rights. Who do I contact for help. Who investigates fraud claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I was a full-time student at XXXX XXXX until about XX/XX/2018. In a History of Public Health course, a faculty instructor in fact discriminated against several assignments that were completed in his course. I was graded poorly and this caused me to remove myself from the program. 

I was in a course that caused a bit of confusion by their faculty and staff concerning the discipline of online students. I believe that I was being grade unfairly and that the problem internalized errors mistaken by net neutrality. According to XXXX ( XX/XX/2018), net neutrality rules require internet providers to treat all online content the same, preventing them from favoring- or withholding - access to certain websites, services or apps ( para. 2 ). This concept frees the information in the classroom and all other matters that effects the principle to restrict any form of discrimination or interference in the treatment of content. 

I have several emails where the actions of the other party at XXXX XXXX have enforced unfair accounts and inaccurate information concerning grading, grading appeals, and netiquette ( appropriate language for online learners ). I went through a formal administrative hearing and based on their decision, I did not feel I was accurately defended in my case or adequately supported by FERPA educational rights. I withdrew from the school without any formality or well wishes from the staff on my continuation to grow and learn with their university, and basically I felt like I was dismissed from the institution. 

I have email exchanges with my instructor and all grading components which lead me to believe I was poorly being graded and discriminated against on several assignments that led up to an assignment on a specific racial population. The policy was taken from APA manuals, 6th ed. concerning the detail of anthropomorphism in writing concerning my instructor. 

I have communication exchanges with the staff concerning the actions of meeting student responsibilities and requirements to the classroom by administrative appeals. I was also sent a correspondences that shares my public records and information with the university and a debt that I need to pay back. I do not feel my rights have been fairly provided in this matter and the university is in violation or in other attempts for causing a debt. 

XXXX XXXX, XXXX ( XX/XX/2018 ). XXXX now has the 'world 's strongest ' net neutrality rules. https : 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 2018-07-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was exercising my right of the Fair Credit Reporting Act, by disputing inaccurate information on my credit report by mail. Experian sent me a letter that my dispute was suspicious, and none of my dispute will be processed now or in the future and to call in my dispute or complete it online. I do not want to call or dispute online. It is my right to dispute my mail.

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