vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 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: GA

Complaint narrative:
American Express bluebird is making this hard on me, the seller never shipped the items and told me it would be delivered XX/XX/2018 at his word. He never sent me the tracking number. I do not get this solved or my money back, I mean it is only {$30.00} and I have always been a loyal consumer and this was my first dispute. It was never delivered I do not have any delivered date except for a screenshot of him saying it would XX/XX/2018 at his word. I have bills that need to be paid soon so I need this solved soon and get a credit added to my account. I sent documentation after documentation and they are taking forever to get this fixed. My other bank that did only took 7 business to get fixed. I love the service, but I just need the {$30.00} credited to my account and get this resolved. It has been 22 days including business days and nothing after I submit good proof to get this resolve fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed EXPERIAN, XXXX, XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.

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 2018-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/2018 I made an additional payment of {$1100.00} to Chase in order to have the PMI removed from my account. I was told that the payments are made in the rears so I will still have to pay an extra {$81.00} in XX/XX/XXXX even though I am under the 78 % loan to value ratio. Then in XX/XX/XXXX they still took the {$81.00} out of my account but didn't label it - {$81.00} PMI. I called to find out why and was told it was a mistake and that they would refund my money, this was the beginning of XX/XX/XXXX. I waited about 10 days with no results so I called them back again. This time the guy said he would send it to the escalations department and It should be resolved in about a week. After another 10 days and nothing from the bank I called again and basically got the same runaround. Its now XX/XX/XXXX and I just called Chase and asked to speak to a manager about the problem. When the manager got on the phone and I explained the situation and asked why it was taking so long to give me back my money she told me " Its your fault, your the one that set up the payments ''. I told her I have a letter from chase telling me that XX/XX/XXXX would be the last month that I was charged {$830.00} and in XX/XX/XXXX my payment would be {$750.00}. Instead they charged me {$840.00}!!! I explained to this lady that with their auto pay feature, It withdraws the amount that they charge me. Not any number that I put in, so how is this my fault?? I told her I was going to report them and she snickered and said report us to who? Apparently Chase thinks they are above the law and can do whatever they want, whenever they want. I will NEVER open another loan or any other accounts with them. They have the worst customer service I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: ND

Complaint narrative:
TransWorld Systems has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a personal checking account with BBVA Compass under a promotion that earned me a bonus after my first direct deposit from my employer. After XX/XX/XXXX I moved my direct deposits to another bank. On XX/XX/XXXX I received an email that I could earn {$50.00} just for setting up and receiving a qualifying direct deposit to my account ( it specifically mentioned last 4 digits of my account ). It said that I need to set up and receive your qualifying direct deposit ( s ) by XX/XX/XXXX to qualify and once one or more electronic direct deposits from an my employer or a government agency totaling at least {$500.00} post to my checking account BBVA Compass will deposit {$50.00} to my checking account within 60 days. 
I had 2 direct deposits of more than {$1300.00} post to the account. First one posted on XX/XX/XXXX and second on XX/XX/XXXX. Both these were from my employer. Few days back I called them about bonus and I was told that I have met the condition and my bonus will post within the 60 days from XX/XX/XXXX. I was told if it does not post then I should call them to get it added manually. I called them today and now they are saying I am not eligible for bonus as the direct deposit I received is from the same employer as last year! This is the most weirdest thing I have heard. Now they want me to change employer in order to get {$50.00} bonus! I tried to reason but to no avail. I asked the representative to connect me to a supervisor but after putting me on hold for sometime I was told all supervisors are busy and there is no one available to talk to me. I was then told someone will call me in sometime but nobody called me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11 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: FL

Complaint narrative:
XX/XX/XXXX Started and online dispute with experian Report number:XXXX tried to check status there system states number is incorrect. 
Call them XX/XX/XXXX at XXXX there is no option to correct this issue

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 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover bank deduct {$21.00} from my bank account for the reason of mis calculation of cashback rewards previously. I don't believe that I was not eligible for the cashback at that moment. What's more it's against the law for a bank to directly take money from a customers account without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: CA

Complaint narrative:
Payment has been submitted to our lender via check via the mail. Lender confirmed receipt of check however admitted to holding the check for posting instructions. We have paid via check because the lender has a fee to pay over the phone and the lender has no website to pay online. This lender is difficult when calling to speak with a person everytime. Customer service for this lender is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
My small business phone receives messages from RSI Enterprises at least twice a month stating that they are calling about dept collection. I am trying to conduct my business and these messages are being relayed to my employees that answer the phone continuously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 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: OR

Complaint narrative:
I have a XXXX XXXX XXXX XXXX XXXX collection account on my credit report that has been there for over 24 years that I have tried to get removed no end. My daughter is XXXX  years old I only have XXXX  child and she was stolen from me when she was XXXX. The child support court order was a fake order taken to the child support office to have it enforced and I didn't know it. I had hearings with the child support office to get it removed but they wouldn't without a court order and I couldn't get a court order because there was no original court order to begin with. Its been a nightmare. The credit reporting agencies will not stop or remove the collection on my account after 24 years its ridiculous. Its ruined my life. Having my daughter stolen ruined my life I had a complete mental breakdown that I didn't recover from for 16  years. I deserve a XXXX  break! My daughter was born XX/XX/XXXX, she was emancipated when she was XXXX  years old and she is going to be XXXX this year.

Also listed on my credit reports are the same debt twice just under different names. Once for the original creditor then again for the collection company. I have unbelieveable amounts 40 to be exact of credit inquiries which I didn't authorize many of them are on there from auto loans and payday advances multiple times and credit multiple times. I live on SSI I get {$500.00} I don't apply for credit. My name is misspelled on my reports for the names they have listed and they won't remove it after I disputed it. There are other social security numbers listed on my credit reports and I have absolutely no idea why I am clueless to that. I only have one social security number and I have never used any other number than the one thats mine. The reports show I owe $ 72,000+ but the accounts I do owe don't total that amount so I have no idea where they are getting that figure. I'm so sick of this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX through their Research Services Department sent a letter to me documenting that after I closed a Mortgage with them in XX/XX/2014, I was owed {$900.00}. I have responded to CitiMortgage to get my money, now they are unable to account for the status of the refund they notified me I was owed.

Their uninformed call center in the XXXX  has no clue what is going on. It has been impossible to speak with someone who is able and willing to resolve the issue.

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 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
Company XXXX - XXXX XX/XX/XXXX New Address - XXXX XX/XX/XXXX Commonwealth Financial - XXXX  XX/XX/XXXX ( there were 2 reports same from XXXX ) Commonwealth Financial - XXXX XX/XX/XXXX ( there were 2 reports same from XXXX  ) - Inquiry Details from XXXX XXXX ( XXXX XXXX XXXX XXXX. ) Inquiry from XX/XX/XXXX ( not mine ) XXXX ( Telephone Companies ) Inquiry from XX/XX/XXXX ( not mine ) XXXX  ( Miscellaneous Reptg.Agencies ) Inquiry from XX/XX/XXXX ( not mine ) XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX ( I had a credit card from XXXX  ) Derogatory Marks from XXXX XXXX  ( not mine ) XXXX  ( not mine, there were 2 reported ) XXXX XXXX ( not mine ) Ps. not represent enough information which is including from who, when, where, etc. depts. report, as well on XX/XX/XXXX-XX/XX/XXXX someone broke into the car and got all my wallets, credits card, driver license and social security number card ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, TRANSUNION, XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, XXXX, EQUIFAX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
See the letter that's attached ( Violation Fair Credit Reporting Act ) ...!

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
See the letter that's attached ( Violation Fair Credit Reporting Act ) ...!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX at XXXX submitted a FICO credit score application to check on credit through the Citibank website. Received score and was pleasantly surprised to see the results. The intentions were to open a new credit card to start restoring credit. Citibank website suggested the Citi Preferred Thank You card along with the AAdvantage card applications. After reviewing the choices I decided to apply for the Preferred Thank You card considering it was suggested after my credit report was ran. Surprisingly my application was declined after submission. I feel that with the running of my credit report, knowing the results and offering a credit card that had high chances of it being declined was very misleading and it will leave an inquiry I would rather not have had I known the chances.

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 2018-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Dream Center Education Holdings
State: LA

Complaint narrative:
My Complaint is About A Grade Given to Me By An Instructor At XXXX XXXX XXXX. I Requested A Review Of All My Graded Assignments. I Emailed A Complaint To XXXX XXXX Concerning my Grades. Call Me At XXXX. I am Leaving XXXX XXXX For XXXX XXXX XXXX  And I Want All Federal Aid PAYMENTs To XXXX  XXXX to Be Cancelled Effective Immediately. XXXX XXXX XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Schreiber Law LLC
State: NH

Complaint narrative:
I was called by the collection dept. of Schreiber/Cohen llc. XXXX, a nice female employee talked to me about payments that were past due, I informed her that i left a message at that office for a motion to continue because i would be out of state, she asked me why I said to visit my parents in Florida from XX/XX/XXXXto the XXXX and the hearing was for XX/XX/2018. She then put me on hold and the manager of the collection dept. picked up the phone he informed me that if i can go on Florida then i have money to pay my bill, I informed him that everything for the trip was purchased by my parents. He then said rudely that he doesn't understand, that he was going to look into my savings and stocks and bonds to see if i had money to pay the bill, and even investigate what kind of care i drive '' maybe I drive a new XXXX  '' he said. told him i have no savings and certainly no stocks or bonds that i was broke but i could meet him at any time besides XX/XX/2018.He said that if i didn't pay the whole back amount that i would not receive a motion to continue and that if i miss the hearing a bench warrant would be issued, he was incredibly rude i even told him that if we couldn't have a normal conversation that i would hang up and deal with the court and file my motion for continuance.

Company response to consumer: Closed with explanation