vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XXXX of this year Citi XXXX closed 2 of my accounts that I had with them. One with a limit of XXXX dollars and the other for around XXXX. This done with out any notification either verbal or in writing. I only learned about it when I went on line to make my payments. Citi cut me off with no access to customer service or anyone to help me. I only got a number which turned out to be to collections via citis online chat. After calling this number I was told that my two accounts ending in XXXX and XXXX were closed because I had declared bankruptsy. I had never even inquired let alone delcared it. They based this on false and unchecked information. I appealed this and by the end of the week the account ending in XXXX had been reopened. Account XXXX remained closed. Citi even had issued and mailed replacement cards for XXXX. I called back in about XXXX and again appealed it. The next day they closed XXXX again at which time I cancelled my payment to that account and twice in writing I informed them that until they corrected this issue I would withhold payment on the account ending in XXXX. The end of XXXX I attempted to make my payment on line for the account ending in XXXX. I was no longer able to access this account. On XX/XX/XXXX I made arrangements to pay off the account ending in XXXX as of XX/XX/XXXX and they were going to waive all interest since they closed the account. I enquired about the account ending in XXXX and got switched back and forth about it because they could not access the account info. Was finally told the account XXXX was sent to collections. This is an account I was not late on and had never missed a payment on until the end of XXXX when they prevented me from accessing the account in any form to make payments. I have had the XXXX account for around 20 years and never had any problems. I am pretty sure this will now further affect my credit score. Citi had no justification for closing the accounts without verifing the information or formally informing me of the closing along with a written explanation. Again this affects 2 accounts the one ending in XXXX and XXXX. Also I am attaching the only response I have received from them in which the person talks about the potential Bankruptcy case. Something they now deny as the reason for closing the accounts. They cant seem to keep it together. Their response pertains to account ending in XXXX and I have yet to get any written response about 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 non-monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is re-aging an old debt from XXXX XXXX in the amount of {$2600.00}. I only found this out by being notified through my credit monitoring service two weeks ago that a " new collection was added ''. I have not received any notices or letters regarding this account. The collection has not been on my credit report in years and when I viewed my report, it shows as a new debt as of XX/XX/2019 on all three credit reporting agencies. This is completely false. I have sent a debt validation letter to Jefferson Capital and though it has not been 30 days since their receipt, I feel it necessary to pursue all actions available to me because the act of re-aging an account is illegal and negatively affecting my credit worthiness. I request this be deleted from all major credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: FL

Complaint narrative:
Having benefits that are granted to us, should be accessible at all times. The www.eppicard.com website is always down. Their customer service line at XXXX is always done, too. There is no way to activate the card. If you loose it, you can't get someone to replace it. There is even a website created against this company called : XXXX XXXX XXXX While it is useful because it has answers, the steps provided do not fix the problem. 

Eppicard is a fail as a company. I am unsure how any governing state in the U.S. can work with such a horrible company. Can we please get our funds? 

Eppicard 's website is always down. You can check and investigate yourself by checking history status at : XXXX XXXX XXXX It is beyond frustrating. No one will assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have sent a complete pack of information to Equifax. They stated they could not find my file. They sent a letter asking for a hole bunch more of information. They are refusing to open an investigation into my identity theft. I have sent them a copy of my Driver Lic. Police Report, SS card, Identity Theft Victims Complaint and Affidavit, Identify Theft Report, State of SC Identity Theft Report, Birth Certificate, Pay check stuff, Lease, Utility bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: PR

Complaint narrative:
i dint know that this was on my credit and i notice that they are sending me letters saying that i have to pay the debit but i know it is not mine or if it is my i dont know why i am being charged for

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 2019-08-04 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2019, my husband and I attempted to book a flight from XXXX XXXX to New York on the AMEX Travel website. We received an error message indicating that the flight we attempted to book may or may not have been confirmed and that we should call AMEX Travel to confirm the status of our attempted booking. We subsequently did just that and called AMEX Travel to address the matter and were informed that our first attempt to book our desired travel did not go through. The AMEX agent on the phone then tried to book our desired flight and stated that it did not go through on her end as well. She advised that we try the next day on our own on the website. 
On XX/XX/2019, we were finally able to book a flight, though it was different from the one we initially desired and at a higher cost. On XX/XX/2019, I checked my statement and to my surprise, I saw charges for one of the attempted travel bookings on XX/XX/2019 that the agent informed us hadnt been confirmed. We never received an email confirmation for this travel. Had we received one, we wouldnt have booked travel on XX/XX/2019. There were two charges that posted for XX/XX/2019, each {$300.00} ( charge # 1 reference : XXXX, charge # 2 reference : XXXX ). 
Upon seeing these charges, I called American Express to walk them through the above and resolve the matter. I waited three hours on the phone with them and was informed that a case was logged and I would see resolution to my issue within the week. Further, I was told not to worry about paying for these charges. I hadnt heard from them all week and called on XX/XX/2019 to follow up on my concern. In my follow up call, I learned that the case is still ongoing. 
Even though I was told to not worry about these charges, I was levied a {$35.00} late fee charge on XX/XX/2019 ( reference ID : XXXX ) and an {$11.00} interest fee on XX/XX/2019 ( reference ID : XXXX ). 
The total sum I am disputing with them is thus {$640.00} ( {$300.00} + {$300.00} + {$35.00} + {$11.00} ). I really would like this resolved quickly and have been waiting very long to see a resolution to the mistake made by American Express. They are making me pay for their mistake and Im spending the time to follow up on it, which isnt very fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
My loan was transferred to a different mortgage company in XXXX. I had just successfully completed a load modification with the last mortgage company before is was transferred. Both companies said the new modification would be honored. The new company told me to fax or mail them a signed company of the terms in which I faxed and they acknowledged receiving. They then said they could not honor it cause it wasnt the original. They are now making me go through the process all over and I sent them EVERYTHING they requested and now theyre saying they received the package but its missing pretty much everything I sent. They are giving me the run around to take my property

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One had a data breach. That has been established. Unauthorized purchases were from XXXX of around approximately XXXX And another for about XXXX some odd dollars were charged through XXXX, totaling approximately XXXX dollars. This occurred about a week ago. XXXX says the items were not purchased through my accounts. Capital One did credit my account a few days ago, sent me a new card, but now has put a new hold for the charges while they investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I paid my capital one credit card off in full on XX/XX/19 in the amount of {$490.00} with the intention of not using the card again. On XX/XX/XXXX I got charged an interest charge of {$11.00} and it was the only balance on the card. I called and very nicely requested they remove the fee since it was/is the only balance on the account and I have never had any fees waived. The representative said no so I asked to speak with a manager and got XXXX  ( id XXXX ) and she said no as well. It is my understanding that they are in violation of regulations placed with credit card companies to charge fees on a {$0.00} balance. Please get this corrected since capital one was so unwilling to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-04 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: Central Portfolio Control Inc.
State: MA

Complaint narrative:
There are 2 related issues with this company ( collection/violation of Privacy ). I had an outstanding loan which I was told not to pay because the company had already written it off as Profit and loss ( meaning I should be receiving a tax form to include as income for my 2019 taxes and that I would need to just pay taxes on the remaining balance-the company had already taken the loss ). The issue with this particular company Central Portfolio Control starts on XXXX XXXX 2019. I received a call from my husband questioning an outstanding loan. My husband told me he just received a call from someone named XXXX looking for me. My husband said he told XXXX he had the wrong number and identified himself as my husband. My husband gave XXXX my number and told him to contact me directly. XXXX then told my husband that he had attempted to contact me ( I had no messages of such ) and then asked my husband if he was aware that I owed this loan. My husbands reply was that he was not aware because we maintain our own finances. Once I received this call I contacted XXXX and recorded the conversation ( which he was aware of ). XXXX admitted clearly what he said to my husband and said he did not violate any privacy rights because Massachusetts allows for collection agencies to speak with a spouse - I explained to XXXX this was incorrect. I then told XXXX this was something I was instructed not to pay as it was already written off as loss by the loan agency so I didn't understand how his company obtained the file. XXXX insisted he was correct and that the company was in their rights. I have spoken to him at least 3 times since and explained that I was filing a complaint with the XXXX, CFPB, and Atty General as was advised by my Financial Counselor. I continue to get messages at least once a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: MD

Complaint narrative:
I disputed information on my credit report for XXXX XXXX card to be removed because of age with the credit bureau, XXXX and the collection agency XXXX XXXX. This item still has not been removed and XXXX XXXX sent a letter stating they have not reported to the credit bureau since XX/XX/2014. So how is this account not removed from my credit report when they are supposed to report up to date information?

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 2019-08-04 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: Hidden Oak Group, Inc.
State: MA

Complaint narrative:
There are 2 related issues with this company ( collection/violation of Privacy ). I had an outstanding loan which I was told not to pay because the company had already written it off as Profit and loss ( meaning I should be receiving a tax form to include as income for my XX/XX/2019 taxes and that I would need to just pay taxes on the remaining balance-the company had already taken the loss ). The issue with this particular company XXXX XXXX XXXX starts on XX/XX/2019. I received a call from my husband questioning an outstanding loan. My husband told me he just received a call from someone named XXXX looking for me. My husband said he told XXXX he had the wrong number and identified himself as my husband. My husband gave XXXX my number and told him to contact me directly. XXXX then told my husband that he had attempted to contact me ( I had no messages of such ) and then asked my husband if he was aware that I owed this loan. My husbands reply was that he was not aware because we maintain our own finances. Once I received this call I contacted XXXX and recorded the conversation ( which he was aware of ). XXXX admitted clearly what he said to my husband and said he did not violate any privacy rights because Massachusetts allows for collection agencies to speak with a spouse - I explained to XXXX this was incorrect. I then told XXXX this was something I was instructed not to pay as it was already written off as loss by the loan agency so I didn't understand how his company obtained the file. XXXX insisted he was correct and that the company was in their rights. I have spoken to him at least 3 times since and explained that I was filing a complaint with the XXXX, CFPB, and Atty General as was advised by my Financial Counselor. I continue to get messages at least once a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My card was charged in Fall of 2018 for charges in XXXX when I was in that country, I provided a copy of my passport which showed that I was not in the country when the charges were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: MD

Complaint narrative:
I disputed information on my credit report for XXXX XXXX card to be removed because of age with the credit bureau, XXXX and the collection agency XXXX XXXX. This item still has not been removed and XXXX XXXX sent a letter stating they have not reported to the credit bureau since XXXX/XXXX/2014. So how is this account not removed from my credit report when they are supposed to report up to date information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: MD

Complaint narrative:
I disputed information on my credit report for XXXX XXXX card to be removed because of age with the credit bureau, XXXX and the collection agency XXXX XXXX. This item still has not been removed and XXXX XXXX sent a letter stating they have not reported to the credit bureau since XXXX/XXXX/2014. So how is this account not removed from my credit report when they are supposed to report up to date information?

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 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Promotional inquiries showing and information wrong. Not a complete with all the pages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Trying to get a straight answer from XXXX and equifax is very difficult. For whatever reason XXXX is much easier to deal with. I had one dispute I put on my credit reports against a company that had inaccurately documented a late payment. The company itself updated the info but to get the dispute remarks off of equifax and XXXX I may need a lawyer. I have gotten different answers each and every time I have callled to get the dispute remarks removed. Weeks later eve 24-72 hours to remove dispute remarks is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: IL

Complaint narrative:
I have called and written to dispute this inaccurate ( fraudulent ) information on my credit report and let them know this information is fraudulent. I have sent the recommended documents to get this resolved. The following accounts are listed incorrectly XXXX XXXX, XXXX XXXX XXXX. There should only be one address listed on my report XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. My name is XXXX XXXX that is the only name I have ever used when applying for credit. The inquries for XXXX, XXXX XXXX XXXX XXXX XXXX I did not do this.

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 2019-08-04 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: VA

Complaint narrative:
Trying to get a straight answer from Experian and XXXX is very difficult. For whatever reason XXXX is much easier to deal with. I had one dispute I put on my credit reports against a company that had inaccurately documented a late payment. The company itself updated the info but to get the dispute remarks off of equifax and Experian I may need a lawyer. I have gotten different answers each and every time I have callled to get the dispute remarks removed. Weeks later eve 24-72 hours to remove dispute remarks is completely false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-04 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: NCC Business Services, Inc.
State: SC

Complaint narrative:
I have sent a complete pack of information to XXXX. They stated they could not find my file. They sent a letter asking for a hole bunch more of information. They are refusing to open an investigation into my identity theft. I have sent them a copy of my Driver Lic. Police Report, SS card, Identity Theft Victims Complaint and Affidavit, Identify Theft Report, State of SC Identity Theft Report, Birth Certificate, Pay check stuff, Lease, Utility bill.

Company response to consumer: Closed with explanation