vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX/XXXX  XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
After carefully reviewing my credit report, I noticed that there were two credit inquiries on my report that I have know knowledge of. These inquiries are on my credit report and are not at all mine. I ask that you review these inquiries and have them removed from my report. If you cant show proof that these inquiries belong to me then I demand that they are removed. The inquiries are : XXXX  XX/XX/XXXX XXXX XX/XX/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 2018-10-29 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: OK

Complaint narrative:
I was receiving offers from Amex ( physical snail mail and tons of email offers ) to sign up for a pay over time feature on my card, and receive XXXX membership rewards points. I signed up around the end of XXXX, and received my confirmation email that I was enrolled on XX/XX/XXXX. In the offer, it said the points would be deposited within 8 to 12 weeks. I web chatted with Amex 3 times, when it seemed the points were taking a while to arrive. Once was either 5 or 6 weeks ago, the other time was 3 or 4 weeks ago, and the other time was today. The first chat, they said they would escalate the issue to be investigated. The second time, the associate said they could see the previous chat history and that the issue had been escalated to investigation, but there was no outcome yet. 

Today I got on to do the web chat and was told that the investigation was concluded and that it was denied because there was no such offer on my account. I was never notified of the outcome of this investigation till I asked by myself, today. I received physical advertisements in the mail for this offer, and still have the emails in my inbox. Why I am being told there is no such offer on my account is unclear to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In XX/XX/XXXXI upgraded my American Express card from an XXXX card to the XXXX card. The XXXX card did not have an annual fee, and upgrading to the XXXX card had an annual fee of {$450.00}. I understood the upgrade to the annual fee, but what was offered on my American Express account webpage was that the upgrade would be free for one year. I upgraded in XX/XX/XXXX. In XX/XX/XXXX I was charged the annual fee of {$450.00} and upon further research I was no aware that they immediately charged me a prorated fee of {$180.00} in my XXXX statement. Again, I was aware of the fee to be charged annually, but was mis-informed with their advertising of free for one year. This was not disclosed properly to me the consumer and I believe is improper sales tactics with their marketing. I complained via a phone call on XX/XX/XXXX at approximately XXXX XXXX EST and the phone representative stated that the fee free for one year was for new accounts only. This was not disclosed to me properly at the time of accepting this offer as i have had an account with American Express XXXX. The offer popped up on my American Express account homepage, therefore it was known that I had been a customer of theirs and not a new customer. I would not have taken the offer if i was to immediately pay the fee, as I thought it was a good deal to have the first year free. The customer rep said if i had called in to upgrade this would have been disclosed to me properly. If this is the case then they should not allow these upgrades/new applications via the website, as they are falsely advertising the credit card and fee requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
My financial lender calls about ten times a day. They have called everyone on my reference telling that I need to pay when the due date on the bill says. They have even called my boss. This happens on a daily basis at least ten times a day. I m scared my boss will fire me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Franklin Credit Management Corporation
State: OH

Complaint narrative:
I recently went through a chapter XXXX bankruptcy that has completed and is being discharged in the next month. I have 2 loans on my home. One for XXXX and a smaller loan for XXXX through a company called XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX I was instructed by the trustee in our chapter XXXX case to contact the mortgage company for future payments. I have done so, but they will not tell me what the balance is, what the payoff amount is, or anything else, they only give me the option to pay on their website, and have cussed at me and my husband on several different occasions, hung up on us, and refused to send any statements to my home. I have not received any correspondence from them over the last 5 years, and have requested it in writing 6 times now. Each time I have complied with what I am asked to do, and each time I am refused information on my mortgage loan. I'm starting to think that the loan may be paid in full by now. We paid XXXX in arrears, and XXXX in principal on the loan for a total of XXXX. I just want to know if I have a balance left so that I can pay it off in full, or if the loan is already paid in full, as the initial loan was only XXXX. I can't get a straight answer from their company, as soon as I give them my mortgage account number they either put us on hold, for 20 min., sometimes as much as 45 min. at a time ( hoping we'll hang up ) or get viciously nasty spewing expletives, and hang up on us for asking about the account. I'm very confused by this behavior, and just want to know if I owe anything more on the account, or if it's completed.My mortgage account number is There is one additional phone number for them. 
( XXXX ) XXXX ( Phone ) Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC.
State: NC

Complaint narrative:
Received a letter in the mail that a XXXX debt was owed for a er visit while traveling. Being that I am XXXX XXXX I didn't have co pays. However the XXXX dollars owed was due to a billing error on XXXX XXXX behalf. I did however pay the bill after being threatened and employees of professional account services refusing to listen to me. I was hung up on when I told the rep I paid the bill with the hospital directly. Which is XXXX XXXX. The rep again hung up on me. The confirmation for my XXXX dollars is XXXX. Bill was paid directly to XXXX and should have been sent to collections per the fair credit reporting act and hippa laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On on or about XX/XX/XXXX I contacted my mortgage servicer by phone, Shellpoint Mortgage Servicing, to request an escrow analysis because I have {$6500.00} in my escrow account after my city taxes have been paid. My city tax and fee bill of {$5600.00} was paid in full to the City of XXXX, VA on XX/XX/XXXX and thus I have paid my taxes in full for XX/XX/XXXX totaling {$11000.00}. 

I am requesting that the balance be returned to me as I already have an escrow portion of my monthly mortgage that will sufficiently cover my first half XX/XX/XXXX city tax and insurance payment. If, for example no surplus is returned to me, by the time my city taxes are due again in XX/XX/XXXX I will have approximately double what I need to cover escrow items. 

I contacted Shellpoint Mortgage Servicing again on XX/XX/XXXX by phone after they sent me only a very small check for {$150.00}, which wasn't close to the amount I expected to receive since my taxes have been paid. After multiple failed and shifting explanations to reconcile why they could not provide me with my surplus escrow, they requested I send them a screenshot over email of the publicly accessible XXXX   City website showing that my taxes and fees have been paid in full for XX/XX/XXXX, something their own escrow department would have been able to access. I sent them a screenshot of this information on XX/XX/XXXX. 

On XX/XX/XXXX I received an email in reply stating that I am welcome to pay my taxes independently but that they would not do an escrow analysis until the annual analysis was due. Further, Shellpoint would not update my tax info and that they would continue to pay my tax bill without reference to the fact that it has already been paid ( XX/XX/XXXX ) and that payment predated their most recent mid XX/XX/XXXX escrow analysis. Both facts that I have communicated on several occasions and facts that should have been revealed in their escrow analysis. 

I am simply requesting that the surplus be returned to me. I understand that they can not hold more than 2 months cushion for escrow purposes. Instead they are telling me that I can not get my escrow surplus returned to me at any point in the near future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/19 I placed an online order with XXXX XXXX. While placing the order a screen popped up stating that I was pre-approved for a store credit card and if I opened this card I would received 25 % off of my current order, and the screen showed how much my new total would be with the discount. I signed up for the new card solely due to the advertisement and discount. When My order was place the discount for the new card ( 25 % ) was not showing. I emailed XXXX XXXX to inquire about the mistake and was told that the discount did not apply to what I purchased ( even thought it was specially marketed to that order ). When I pushed the issue and asked for the discount I was promised and for the inquiry to be removed from my credit eventually they did provide the additional discount but did not remove the credit hit. I only opened this card for that discount which was apparently a false advertisement. I feel like this was a deceiving advertisement and would like for the credit " hit '' to be removed since the card was opened under false pretenses.

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 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
Cooling and Winter LLC Sent me a letter that belonged to someone else. They put this persons first and last name, their amount owed, and to whom they owe it. I can only assume that this person received my paperwork. This is very upsettting because they are leaking PERSONAL, PRIVATE information. I have been nothing but cooperative with them but feel they are sompletely incapable of handling this paperwork. This is very personal information that they are sending out and now someone has information about my personal finances.

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 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Two finance companies XXXX XXXX and XXXX XXXX keep reporting my account as charged off and unpaid. When I file a complaint then it is changed back to charge off paid in most cases. This has been ongoing since XX/XX/XXXX. 

My dispute dates with Equifax are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/18 made a purchase through a website XXXX the item was suppose to be delivered on XX/XX/18 but was delivered to the wrong addresss i reaches out to the company several time but i didnt receive any responds i then proceeded to reach out to TD BANK who disputed the transaction i sent over paperwork proving that the item never reached to me and that XXXX as well had a claim out on XX/XX/XXXX i received a notice from TD BANK the transaction was correct and my provisional credit was being reversed even thou the item was NOT delivered

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
I reached out to the company, XXXX XXXX XXXX XXXX  after their multiple attempts to call me and asked them can I pay the balance and then have it deleted from my credit reports. The representative told me they would indeed delete it, but changed the account to reflect that it was paid and didn't remove it from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
ON XX/XX/2018 CONTRACT CALLERS INC SENT A NOTIFICATION ABOUT A DEBT. I RESPONDED ON XX/XX/2018 WITH A DEBT VALIDATION LETTER. LETTER WAS RECEIVED XX/XX/2018. CONTRACT CALLERS HAS NOT SENT ANY NOTIFICATION CONCERNING MY DEBT VALIDATION LETTER AS REQUIRED BY LAW, BUT HAS REPORTED SUCH DEBT TO XXXX, XXXX  AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
On XX/XX/2016 I sent Portfolio recovery a cease and desist after many contact from them at home and work about an alleged debt I don't owe. They ceased to contact me for a few months however I just received another letter at work regarding the same account. They continue to harass me on a debt that I don't owe. I've never had a credit card from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc.
State: IN

Complaint narrative:
I received a call last Thursday from XXXX XXXX XXXX XXXX located at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IL. The woman said there was a suit about to be filed against me and used intimidating tactics to try to get me to pay for an old debt that I had paid off years ago. I told her that and she refused to accept that. The call ended into a shouting match and I hung up. I receive these calls several times a year. They result from these XXXX XXXX firms buying old Credit Card companies Write Off lists with consumer info such as credit card company and social security number. They then try to coerce you to pay it off or be sued. They are thugs on the phone! I even had one company in California put a collection on my credit report. I had to contact my State Attorney General to get it corrected on my credit files with the three credit bureaus. I'm sure you know that the Credit Bureaus are very difficult to deal with. Why can't the CFPB do something to stop these predators from operating these scams on innocent people. You can do a XXXX search on the above mentioned company and see all of the complaints lodges against them. Why are they allowed to be in business? 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I opened an account with XXXX in XXXX to the best of my knowledge I closed it in XXXX when I moved. I paid all of my bill due at the time I moved. Well from what I am understanding they then charged {$49.00} for disconnecting the service after I paid the last bill. I never knew about that charge, nor was I ever contacted, my phone number is still the same from back then. So in XXXX when I learned about credit reports and how to check them I learned this was on my credit report. So immediately I paid the account no questions. It now shows a late payment on my account in XXXX and is damaging my credit score. There was no effort to contact me what so ever, and there is no record of positive account payments either, only this one negative remark that is harming me because I paid it. It doesn't seem right to me that a {$49.00} fee that came from out of nowhere after I paid the final bill should be able to harm me for 7 years. This is not indicative of who I am as a person nor consumer and is the only negative info I have on my credit report. I would ask at minimum that this be removed from my credit report so that I can have a clean credit report going into buying a home. My interest rates can be effected by this account and just doesn't seem fair in my opinion. Thank you for your time and hopefully this can be resolved quickly!! 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: NY

Complaint narrative:
Im a victim of identity tiff someone got my card information and used it to shop I contacted the company this was already removed from my credit report and now its back, I had a XXXX account and was paying my bill on time every month until this happened and the company wants me to pay that bill when Im not responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Ordered a free credit report from EXPERIAN. There was a " potentially negative '' entry related to an entity identified inly as XXXX, which I believe is XXXX XXXX XXXX. That entity serviced my student loans for a period of time. The entity then transferred those loans to the current servicer ( s )  XXXX. Attempted to call EXPERIAN to inquire about what exactly was the negative aspect of my relationship with this entity. Tried to call a number of times, on a few different numbers. Nb. all calls were made during EXPERIAN 's posted hours of operation. No luck. Only contact was with an automated phone attendant and I was not provided with an option to speak with a representative.

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