vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, Amex called me during my work on Wednesday the XX/XX/2018 around XXXX Pacific Time from the following number : XXXX XXXX XXXX XXXX. They told me they were cancelling my card because I used it to send money to someone on XXXX. They were not very amicable and being at work I was kind of confused with the situation. I asked if we could talk about and explain the situation in order to understand what was happening better. This was to no avail. 

So I checked my XXXX transaction history after my shift. I never used my Amex to send money to a family member, I used my XXXX card. 
they said I used it to send money to my uncle using XXXX. 

With that information, I tried explaining that online in their chat service. They told me to call XXXX XXXX XXXX, spending more than an hour being bounced back and forth between different people, they told me to call XXXX XXXX XXXX. After another long wait, I am told to call XXXX XXXX XXXX! I finally reach the original caller 's voice mail. Leave a message explaining that I used my XXXX card to send money not Amex. 

Next day, Thursday the XX/XX/2018, having not received any reply from the original caller. I call customer service again, I am passed on to three different people. They repeat the same exact scripted nonsense without listening to what I have to say. Anyway, I am finally told that the original caller is out until the XXXX and it's too late they already decided to cancel my card. 

After some argumentation from me, I was quite aggravated but remained polite throughout the conversation. I am told to call her replacement at XXXX XXXX XXXX extension XXXX. Again, I leave a voice message explaining everything to her and asking her to please call me back. 

Today Friday the XX/XX/2018, having not received a callback from the above mentioned person, I try my luck on twitter. After wasting more time there, I am told that they can not do anything and I need to call someone else somewhere. 

This situation is very intriguing because as I recall I had around XXXX XXXX points that I was trying fo transfer to XXXX XXXX miles program so that I could buy a ticket for my mother. The synchronicity of this while situation is very odd and having read about Amex 's practice online I can understand why they would inflict financial damage, stress and anxiety upon in order to confiscate my reward points and benefits. 

I would be grateful to you if you could help in any way you can as soon as you can, Thanking you for your understanding, Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XX/XX/XXXX : Problem with Loancare at XXXX XXXX XXXX, XXXX XXXX, VA XXXX - Investor Accounting I received a notice on XX/XX/XXXX indicating I was due an escrow refund of {$2400.00} for loan number XXXX. 

Loancare asked that I send in the attached form. I sent the response on XX/XX/XXXX ( aproximately ) via fax to the number listed on the letter and kept my confirmation that the fax was indeed sent successfully. 

Got an email confirmation from XXXX XXXX ( from Loancare ) of receipt of the fax indicating that my payment should be received in ten business days which would have been XX/XX/XXXX. 

As of XX/XX/XXXX, I have not received the escrow refund. I have attempted to contact XXXX XXXX by phone and email over the last ten days numerous times without a response. My hope was to get an estimated date for the refund. No response was received. XXXX XXXX has been ignoring my repeated attempts to make contact. 

I am hoping the bureau can help resolve this matter.

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 2018-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: WA

Complaint narrative:
I applied for a loan with American First Finance on XX/XX/2018. They asked for my bank account information, made a small withdrawal to verify my account, and offered me a line of credit. 

They took a {$50.00} payment from me at time of purchase then took auto payments that were posted to my account. When I saw that they took them from an account number that was two digits different than mine, I called them and notified them. They asked me to make a payment with a card, which I did, so that if the payments came back the account wouldn't show as late. 

They began calling me every Friday and Saturday asking for payment. I made three double payments the past three weeks in a row. I was told that the payments came  back from the wrong account but were covered by my card payment. 

My payment is supposed to be XXXX every Saturday ( I was supposed to be on twice a month payments but that never happened ). I get a call every Friday and Saturday and on both days, they take a payment out from my card ending in XXXX. 

The online statement doesn't show the payments I make online, only those auto-debited from my account or on auto pay with my card. 

When asking for a statement of all payments, they said that due a technical issues, they can't show online payments, only draft or card payments. 

Then the supervisor today, XXXX XXXX, on a recorded line, said she apologized and offered to give me a " free '' payment - I refused the payment as I have zero trust of these people and don't want them to put another late payment on my credit report.

They put a late payment on my credit report two weeks ago, despite receiving payment on time, which I've asked to be removed. 

This is the worst finance company I've ever dealt with. 

They have access to three of my debit cards, my bank account, and despite auto pays and payments made online, still charge me for two payments each week and still call me constantly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have disputed this inaccurate information with the three credit bureaus and receive results from XXXX   and XXXX due to the fact that this information can not be verified and provide documentation that it is mine. I have requested documentation on three separate occasions unfortunately this company has continued to report to XXXX stated that is that is mine and that it is indeed accurate. I am requesting the original signed contract of this debt and that this debt is valid. According to XXXX and XXXX  this debt is unverified and was deleted and I request that this information removed from my XXXX credit file as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
Contacts and harrass family members and employers. The debt has been written off by the initial creditors and this new company Diversified Consultants is trying to collect. Their phone number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
XXXX XXXX has violated 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 non-monetary relief
Consumer complaint received 2018-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed the error of XXXX. XXXX three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX hospital. I have contacted XXXX  hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.

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 2018-05-11 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: MI

Complaint narrative:
I have disputed the error of XXXX XXXXXXXX three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX  hospital. I have contacted XXXX  hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I continue to dispute and this is my second complaint regarding Equifax, XXXX and XXXX. XXXX send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. XXXX is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from XXXX. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$1700.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the XXXX XXXX data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven XXXX XXXX COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite XXXX XXXX compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

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 2018-05-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the XXXX XXXX data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven XXXX XXXX COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite XXXX XXXX compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Riverwalk Financial Corporation
State: ID

Complaint narrative:
I was a student at XXXX College at the XXXX XXXX campus. I was a student there from XX/XX/XXXX- XX/XX/XXXX. That date may vary by a few months. I can not get the information about the school due to the school shutting down and there being no way to contact them since they do not exist. Recently, I my credit has taken a hit because over {$15000.00} in private loans was sent to collections with my already incurred XXXX in federal loans in a student deferment. The school was closed due to accreditation fraud, false promises of employment and false price advertising for the education. They also, just before the school shut down, switched companies in which my loan was through to force us to pay even after the school was shut down. None of my credits transfer from this school, the degree is worth nothing, and I am sitting with over {$50000.00} in debt that I have nothing to show for. This school underwent a large class action lawsuit by the XXXX Attorney General. The class action won and the school still continued to show false promises. I enrolled in the school one and a half years before its closure and graduated, at most, a month after its closer. All I am asking for is to see if there is any way that these false loans can be taken away or if I should fight it. 
I have also been contacted my a number of other companies that have promised to take care of my loans and all of which, some to find out, have been scams. The most recent ones is XXXX XXXX XXXX. These companies, according to the Federal Department of Education, have no ties to any legitimate organization and should not be trusted. 
I will be able to provide information but I am waiting for it to arrive from home as I am away at college.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One as of XX/XX/XXXX is showing on my credit report as charged off with a high balance of {$960.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit the date the account was reported deliquent was XX/XX/XXXX and I believe it was earlier than the date they are stating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently disputed an account on my credit file. I have now discovered new information about this credit account. The account is : XXXX XXXX  XXXX Credit Limit : {$500.00} This account has been " re-aged '' and is now too old to remain on my credit file, per the Fair Credit Report Act. The last activity on this account is not being reported correctly. No payments or charges were made on this account in over 7 years. It has been longer than 7 years since the last account activity.

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 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$690.00}. I understand there is a balance owed on this account but I currently working with collection agency attempting to settle debt. This account has been charged off and would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently disputed an account on my credit file. I have now discovered new information about this credit account. The account is : XXXX XXXX  XXXX Credit Limit : {$500.00} This account has been " re-aged '' and is now too old to remain on my credit file, per the Fair Credit Report Act. The last activity on this account is not being reported correctly. No payments or charges were made on this account in over 7 years. It has been longer than 7 years since the last account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Starting this past XXXX a company called XXXX started charging fraudulent purchases on my Bank of America Visa card. I called BofA, got credit for the fraudulent charges and a new credit card. 

With someone at BofA, I spoke with someone at XXXX  in the XXXX at least three times. They were useless, saying that I didn't have an account with them. Indeed, that's the point. They were singularly uncommunicative about where these repeated charges came from. 

In spite of the new credit card, the same company charged more fraudulent charges on my XXXX bill. How the company got the new credit card number remains a mystery, except for XXXX claiming they have a policy of informing recurrent charging merchants the new cc number. This is insane ; the whole point of a new card is to vitiate such fraudulent charges. 

BofA also claimed to have put a block on XXXX. They've claimed this each month that we've " dealt '' with this issue. To no avail. 

But to no avail. Please see the attached set of statements from XX/XX/XXXX to XX/XX/XXXX, showing recurrent frauds every month, in spite of 5 CCs in four months ( the most recent two CCs I didn't even activate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stanislaus Credit Control Service, Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX has violated 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 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
1. XXXX XXXX 2. XXXX XXXX XXXX 3XXXX XXXX XXXX 4.US XXXXXXXX XXXX NJ XXXX All four of these accounts are on my experian credit report and do not belong to me this is a mixed file

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