vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
XX/XX/2019, a person called asking for " XXXX XXXX. '' I informed the caller, that is not my name. She asked if she was just pronouncing it wrong ; to which I responded, " No, that's not my name. You are calling my phone number, but you have the wrong person ''. She continued talking stating she needed to verify that she was calling the correct number. I continued to inform her the name she is inquiring about, is not my name and to please take me off her call list. She refused stating she needed to verify who she was speaking to. I told her she never verified who she was ; not even at the beginning of the phone call, so I'm not going to give her any information. I said, " You called my number lady, I didn't call you ''. After a few refusals of identifying herself, she said her name was XXXX or XXXX  XXXX ; some name starting with an " XXXX '' from Portfolio Recovery. I told her that I know Federal and State laws and how she was calling and I had already informed her she had the wrong person ; was illegal debt collection practices. I told her I no longer wish to receive phone calls ; if she has something to say, the company may send a letter. She then asked, " so do I have the wrong person because we will keep calling looking for our customer? '' I stated, " Clearly, you have the incorrect person. '' Then she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
For the past couple of years, I had Experian credit monitoring service at {$24.00} per month. I decided I no longer wanted the service. On XX/XX/19, I called and cancelled. I was assured I would no longer be charged. I continued to be charged in XXXX, XXXX and XXXX. In late XXXX, I disputed the XXXX and XXXX charges with my credit card, who refunded those amounts. I also called Experian to again in XXXX to confirm my previous cancellation. I spent about an hour, talking to 4 different people, who at times either told me my account was in fact cancelled, or tried to tell me that I had a " different '' Experian account. Each person I talked to, however, could not provide me with a valid, current account number or a person to actually speak with to confirm whatever account I still allegedly have open.

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 2019-04-22 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2019 I requested my free annual credit report from transunion. I gave my complete name, address, social security number. I have lived at the same address for the last 32 yrs, my name, address and social security number has not changed in 32 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 non-monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: IL

Complaint narrative:
On XX/XX/2019 I settled a XXXX XXXX debt for {$210.00} dollars as a settlement in full. They told me that I did not owe the rest of the money and that they would have XXXX XXXX update the credit report within 30 days from a Charge Off to a Settlement in Full on my credit report. 

I just received notification today on XX/XX/2019 that the balance went down and XXXX XXXX is listing me as delinquent on my account. This has made my credit score go down. 

Client Services Inc. did not say that this would occur. They only said that it would go from a charge off to a settlement in full. 

XXXX XXXX the manager said today on XX/XX/2019 that they didn't have control over the credit reporting and another employee stated it could take 30 to 90 days. 

This is not what was indicated earlier when I settled the debt. They made false promises in order to collect money on this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Total Card, Inc.
State: FL

Complaint narrative:
I received numerous voicemails and am typing verbatim the message left. 

" This message is intended for XXXX XXXX ( spelled wrong ) my name is XXXX XXXX ( False name ) with XXXX XXXX   Customer Service. I'm calling regarding some paperwork that I received in my office yesterday under your name and social security number. You do need to be advised that I have request to place on my schedule a certified notice of intent regarding civil pending claim being filed against you. So before I saw your residence or even your place of employment I'm giving you a courtesy call to inform you you will be placed on my schedule to serve. All questions concerning this matter you need to contact XXXX. Refer your claim number XXXX.

The number referenced is different than the number called from which is XXXX I called back spoke with a person who identified herself as XXXX. I asked for documentation as I was unclear what she was talking about. Her response was I would get the info in court. Out of fear I paid this woman {$100.00} which I will never get back.She also stated there would be a {$120.00} processing fee. She stated she would email a credit card authorization form to me which she did not. I had to change bank accounts and am just trying to warn others. This company is not legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
A loan payment was submitted online on XX/XX/2019. The online summary of the account shows the payment booking then reversing. The bank account for which the payment was to be drafted shows the draft going thru on XX/XX/2019. It has not posted to the account. After several phone calls, a letter with a copy of the bank statement showing the draft on XX/XX/XXXX was faxed to the help desk on XX/XX/2019. Spoke with XXXX again on or around XX/XX/XXXX to confirm they received the fax, since no confirmation was provided. They confirmed they received the package. 

As of today, the payment still has not been posted, the account has been reported to the credit bureaus as late and interest is still accruing. It should not take almost 6 weeks to find and post the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC
State: OK

Complaint narrative:
In early XX/XX/2019 I noticed an entry from The XXXX XXXX on my credit report. I sent a certified letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX and that letter was received on XX/XX/XXXX. In the letter I stated there was an entry for {$620.00} on my credit report and just to simply get this off my report that I would pay {$310.00} which was half of the debt that was mentioned on my credit report. In the letter I also stated that cashing the check the company would be agreeing to completely remove this off of my credit report with all 3 bureaus and not report this as a paid collection or settled account. The check was cashed by a Continental Finance and when I check my report the entry was completely removed. I was alerted on XX/XX/XXXX that a company by Continental Finance has placed a charge off on my account for {$310.00} which appears to be the other half of the debt that was reported on my credit report. This seems to be a sister company to XXXX XXXX XXXX. So essentially, my money was taken and XXXX XXXX XXXX agreed to the terms of deleting this from my credit report and did indeed removed but turned back around and fraudulently had a sister company list this on my credit report. If there was an issue agreeing to the terms then the check should have never been cashed and a verification letter should have been sent to me and it was not. I have never had any dealing with Continental Finance so I'm not sure why they even have this account and further they are also operating as XXXX XXXX XXXX XXXX, so there appears to be 3 companies operating as one for this purpose. Since the company cashed the check they have agreed to have this completed removed from my credit report so it should not be there and I have kept all documentation. This company should be investigated to see how many consumers they are doing this to. In addition, they should be looked into to ensure that they are abiding by the SCRA ( Servicemembers Relief Act ) laws for XXXX XXXX members of 6 % percentage rate, I don't believe this company is following the law in regard to that and I'm curious how many other XXXX XXXX members are affected by that as a whole.

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 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2019 I settled a Capital One debt for {$210.00} dollars as a settlement in full. They told me that I did not owe the rest of the money and that they would have Capital One update the credit report within 30 days from a Charge Off to a Settlement in Full on my credit report. 

I just received notification today on XX/XX/2019 that the balance went down and Capital One is listing me as delinquent on my account. This has made my credit score go down. 

XXXX XXXX XXXX did not say that this would occur. They only said that it would go from a charge off to a settlement in full. 

XXXX XXXX the manager said today on XX/XX/2019 that they didn't have control over the credit reporting and another employee stated it could take 30 to 90 days. 

This is not what was indicated earlier when I settled the debt. They made false promises in order to collect money on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My identity had been stolen, I person had been using my identity and opening accounts in my name, there is a particular one from XXXX XXXX XXXX. showing as a collection, I have not knowledge of this account there for it should be removed. 
A police report with XXXX police department report # XXXX had been filed and an FTC complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I visted XXXX on XX/XX/2019 at XXXX XXXX XXXX, XXXX, GA. 
My total came to {$44.00}. The transaction was declined twice. I notified the manager whom checked their POS System & advised there was no authorization or transaction on file. They swiped my card a 3rd time at another kiosk, the tranasction was approved then. 
I checked my account to find 3 separate charges IAO :  {$44.00} Each with the funds debited from my available balance. 
I called Bluebird & spoke with 4 different people including 2 supervisors who offered zero solutions, disputed with me that all the charged were approved, only reading from a script stating the charges will remain on my account for 8 calendar days. 
I want My Funds Back Available on my card Immediately!

There needs to be an Investigation into this company which has been outsourced to XXXX, they only understand their own culture, Never taylor an Appropriate resolution for each unique customer issue, they do Not Listen yet persists to rudely interrupt, they charge erroneous fees, leave you on hold, then hang up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
American Express froze all my Membership Reward Points in my account. This is unacceptable, I have more than 6 credit cards with them. I always pay my credit cards on time and my annual fees. ( Including my American Express Platinum {$550.00} and American Express Gold {$250.00}. ) I don't  understand why the company is taking advantage of consumers. 

I am very upset with this situation. My points are still frozen and I have my anniversary trip next week and I can use the points??? I will close all my accounts. This is abusive, to say the least!!!! I need to get access to my points ASAP!!! American Express is ripping off consumers, is not fair I can not use my points. I need a resolution!!! 

THIS COMPANY IS NOT OPERATING FAIRLY FOR CONSUMERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
hi, i am writing about numerous frustrations with all 3 credit reporting bureaus. i had an issue with identity theft which i discovered in XX/XX/2018, so i placed security freezes or fraud alerts on my files with the bureaus. now i'm trying to remove these so that i can apply for credit again. 

none of the bureaus seem customer-oriented or helpful. i tried to email all of them, and they either don't respond, or they tell me to call the customer service number. when i finally reach a human being, in all cases, i am told i need to fax or mail them a copy of my driver 's license and a bill showing my address. but i am not confident that this will produce a timely result either. when i was dealing with the identity theft issue last year, they were equally unhelpful. in fact, i had to wait until the Economic Growth, Regulatory Relief & Consumer Protection Act went into effect in XXXX before i could get them to admit that a flurry of credit applications in a 2-month span was obviously a red flag for fraud [ in contrast to my historical behavior ], and that i don't need to dispute each item individually [ typically spending 45 minutes on hold with customer service for each one ].

it seems inappropriate to me that companies who hold such power over people have so little interest in communication or accountability, and i know i'm not the first to notice this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been a Chase customer since the early 1990 's. I paid for protection for ATM fraud. Recently I was out of the country for 6 months for work and I had a slew of fraudulent ATM tradnsactions. I reported this to the police and they made an arrest. Still Chase won't reimburse the following ATM withdrawals. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX Now, this was only small portion of the fraud that I lost. I lost another {$40000.00} and I paid for ATM protection and Chase still won't refund my money. I have never had a problem in 30 years. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank was running a branch promotion for {$200.00} based on opening a new checking account. The {$200.00} would be dispersed in increments of {$50.00} each month based on the requirement of spending {$50.00} with my debit card each month. I met those terms for all four months but was only paid for the first three. My spending on month four was done at the end of the month, but due to a delay caused by US Bank, the charge did not post on their end until the following month. The terms specify debit card use must take place during the qualifying month, but does not specify that the charge must post, on their end within that month. Therefore, I met the terms as were advertised though US Bank has refused to pay out the remaining {$50.00}.

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 2019-04-22 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX does not allow experian access.

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 2019-04-22 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: NC

Complaint narrative:
On XX/XX/XXXX, my husband and I submitted a request to Experian, to investigate errors that appeared on our report with their organization. They were supposed to respond within 30 days. My husband has received his investigation requests, but I have yet to receive mine. We do not understand why they completed his investigation in a timely manner, yet mine is still undone.

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 2019-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank froze my checking account with no warning on XX/XX/XXXX. I have called them, provided trust documents, and met with the branch manager. I need the account to be unfrozen to pay bills and access cash.

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 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a new credit card and XXXX XXXX XXXX denied me because I would only allow a pin-accessed credit pull. I refuse to unfreeze my credit reports because my data was part of the XXXX  data breach. I offered to unfreeze just one of my credit bureau reports but they insisted that they had to pull one at random from the 3 bureaus. Given XXXX XXXX irresponsible handling of our private data, consumers should not be the ones to pay the price ; the credit industry ought to carry that burden and if it comes at the expense of XXXX  so be it. Credit card issuers like XXXX XXXX XXXX shouldn't be able to force me to unfreeze all my reports considering my data has been stolen and unfreezing them would put my credit and identity at risk. At its core, what XXXX XXXX XXXX is asking is discriminatory against those who have had their information stolen in credit bureau security breaches, or who have had their identities stolen in the past.

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 2019-04-22 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
Dispute hard inquiries One Main XXXX XXXX XXXX XXXX XXXX XXXX These arent mine need to be taken of pls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have been a cardholder of the XXXX XXXX XXXX XXXX, serviced by XXXX XXXX, since XX/XX/XXXX. In XX/XX/XXXX, I received a limited time offer to receive rewards points for each day the credit card was used during the month of XX/XX/XXXX - no special purchase necessary to qualify - simply use the card each day and all purchase types would qualify. So, I signed up for the offer and used the credit card consistently during XX/XX/XXXXto earn the stated rewards. As of XX/XX/XXXX XXXX XXXX reported ( over the phone on XX/XX/XXXX ) I had accumulated XXXX rewards points from the offer.

Unfortunately, XXXX XXXX is now refusing to provide the reward certificate earned from the XXXX  rewards points. They are stating that as of XX/XX/XXXX the program was transition to a new XXXX   program called All Rewards. The new program is not managed by XXXX XXXX but instead by XXXX XXXX XXXX and is likened to starting over with a brand new rewards program ( per the XXXX XXXX phone rep I spoke with on XX/XX/XXXX ), i.e. no account information is transferred to the new program and a new account must be created to participate. XXXX XXXX ( phone rep spoken to on XX/XX/XXXX ) is stating that they were somehow unaware the points earned previous to the transition would not be credited to the new program.

My concern is that XXXX XXXX, who is servicing a Mastercard ( not just a store credit card ), was the entity that provided the offer in XX/XX/XXXX but is now declining to acknowledge responsibility. Per the phone rep ( on XX/XX/XXXX ) all my points are no longer accessible. I feel that XXXX XXXX 's actions are dishonest and unlawful and that they should be held accountable for defaulting on the offer they endorsed.

Company response to consumer: Closed with explanation