vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 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: CITIBANK, N.A.
State: NE

Complaint narrative:
I bought some {$70.00} product from sears last year they gave me sears card and asked me not to pay at store they will email me online link to pay which i never received. There were no followup regarding payments and i was waiting for the email which never came. After 4-5 i started getting call asking me to pay XXXX $ as it went to late payments. They tricked me as i was new and did not know about the process. I paid the around XXXX $ and asked them to close the account. This made my credit score fall down to some 500. I always made payment on time even before time but because of this fraud I am still suffering. I was student and couldnt afford a car or loan as my credit score was so low just because of sears which was made by them. They never called me, they never emailed me anything and kept it for 4 months and then stared calling me asking triple time what my actual balance was. 

After making clear all balances also my score is not going up. 
I really need help and want my score to go up as the things which is affecting my score is not correct it was not at all my fault it was sears which made all this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XX/XX/XXXX, I received a bill from Chase Bank for XXXX XXXX   property taxes on a XXXX XXXX - leased XXXX from Chase bank. The issue is I moved to XXXX in XX/XX/XXXX and had turned in the vehicle to a XXXX dealership in XX/XX/XXXX in XXXX. The payments were finished ( Chase simply stopped charging my account ). I was then driving a new vehicle. I called about the bill ( around {$300.00} ) and they said it was their mistake. I am at work now however getting calls about this so I needed to document this here. I have paperwork at home. 
*I received another letter less than a month later, requiring proof of the title being turned in. The title was never mine, it was Chases, so I never had a title. How could Chase bank ask me for that? I told Chase bank I gave all paperwork to the XXXX dealership. I was asked to track down the dealership to see if they still had things in the glove compartment, mind you its the month of XXXX, and I turned in the car in XXXX, and honestly don't remember where the dealership was. *Chase bank was privy to the same information I was about my payments being stopped in XXXX and not owing on XXXX or XXXX XXXX  property taxes. *I provided them with the registration of my new vehicle and the registration for XXXX for the subaru. 
*I am now getting telemarketing calls daily to extend my warranty on the XXXX XXXX ( which I turned in XXXX ). I haven't received these since XXXX. They are local calls and I can not answer my phone now. I've registered for the DO NOT CALL LIST which hasn't helped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I applied for title loan due financial hardship the loan was for {$1000.00} XXXX XXXX XXXX, I was told by XXXX that my payments were {$120.00} a month for 12 months and if I wanted to resolve loan faster to pay more I paid my monthly payments as told some months even more & when my 12 months was over I requested my title back and was told that I still owed {$1000.00} and that the {$120.00} was finance charges and did not go towards loan..I was mislead by terms of loan by XXXX who is no longer an Employee there I then reached out to the Operations Manager XXXX XXXX XX/XX/XXXX who advised that if I made a couple of payments in the amount of {$160.00} he will release my title so I did in XX/XX/XXXX I requested title again they refused and advised that I still need to pay {$1000.00} I have given this company over {$2500.00} to date & they still refuse to release my title and requesting more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I received a letter from Midland Credit Management in the mail. I returned their phone call at XXXX. I spoke with a representative and explained my situation as well as the fact that I am working with XXXX XXXX XXXX. They insisted that I not work with XXXX and work with them directly. When I told them that I would not make any arrangements with them before speaking with XXXX, the put a " supervisor '' on the line. This person tried to bully me into making arrangements with them. Even though the other debt collection agencies I have worked with have told me that since I'm working with XXXX they will continue any further contact with them. When the supervisor refused to end the call, I told him that I had already been speaking with them for upwards of 40 minutes and didn't have any more time to speak with them regarding the matter and that I would call them back at a better time. The person raised their voice at me and told me that they were trying to " save me time '' ( a reference to saying I was out of time ). I told them that they were not hearing me and that I was going to terminate the call. They continued to raise their voice and tell me that I should not end the call, because it would not be good for me. At this point in time I hung up the phone. 

From my understanding, at the moment that I notify the debt collector that I am working with a consumer credit agency on a repayment plan, they should have stopped trying to influence ( really it was bullying ) into making any arrangements with them. I was very upset that they raised their voice and kept trying to force me into making an arrangement directly with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am a good customer, I pay my bill on time every month. The interest rate is over 17 %. This high rate is hindering my ability to pay down my bill. I called the company a few times to get the interest reduced just as I did today XXXX. Both customer service reps and the supervisor told me that everyone gets charged the same rate. This is a ridiculous amount. They are unwilling to help. I signed up with XXXX  for their card a few years ago and they moved the card to citibank. What a mistake, I will no longer use the card or shop at 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 2019-06-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted Equifax because my credit score, according to XXXX, was noted to have gone down 40 points. I understood when I closed three long-standing XXXX XXXX   accounts ( checking, savings, credit and debit cards ) that my score would be affected, but not to the extent it was. I closed these account because of XXXX XXXX XXXX predatory corporate practices and do not regret severing ties with them. I was a part of the Equifax breech, and I spent untold hours, as well as money, to freeze accounts with XXXX and XXXX, SS and the IRS, etc ... to ensure no one could steal my identity. When I called Equifax today to see what I could do to raise my score back up, they told me XXXX did not report my account closures. Then how did my score go down 40 points? I asked her what Equifax showed as my credit score and she said she could not provide that to me over the phone and I would have to pay {$7.00} if I wanted it sent to me. I asked to speak with a supervisor ( on hold for 20 ) and he told me the same thing. They would not send it to me for free, or provide my credit score over the phone. I then asked to speak with a manager ( on hold for 30+ minutes ) and before anyone came on the line, my call was disconnected. I then called back. Had to go through a supervisor again, and have now been on hold for 1 hour and 11 minutes with no manager in sight. Equifax is notorious for hanging up on customers they don't want to talk to, or placing them on hold for an exorbitant amount of time in hopes they will give up, and hang up. My credit score was exemplary at XXXX before I closed the XXXX accounts. There is no way it went down without it having been reported to the three reporting agencies. If they are not showing that the closures were reported, then the least they should have done is tell me what they show my credit score at to confirm it wasn't reported. I wasn't asking out of curiosity. My complaint : Equifax, both in the past and currently, continually hangs up on consumers they don't want to talk to. This has happened to me on no fewer than 1/2 dozen occasions, both in 2017, when I was looking for information to clean up their mess after their breech. as well as currently. I spent {$20.00} to freeze my reports with the other two reporting agencies. I haven't received a refund from Equifax and want my money refunded if they refuse to offer a free credit score when indicated. Thank you for your time. P.S. One hour and 18 minutes later, I'm still on hold waiting for an Equifax manager to pick up the phone!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
MY LOAN ENDED IN XX/XX/2019, THERE ARE CHARGES FOR MISSED PAYMENT AND FEES THAT REMAIN ON MY ACCOUNT. PAYMENTS AND FEE THAT I AM NOT AWARE OF. NEED BREAKDOWN ON THESE FEES AND MISSED PAYMENTS. STATEMENTS NEVER REQUESTED FEES DUE UNTIL NOW. {$3700.00} BALANCE {$1800.00} FEES DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
I spoke with South west Credit systems on the phone. XXXX XXXX the representative asked if I lived on XXXX XXXX in the past or now and I said I have never lived on XXXX XXXX. Then she asked for my date of birth, ( which I was hesitant to give to her as this is what is wrong with this entire system ) Then she called me XXXX which is not even my name and then she indicated that they would look in to the issue and she would not tell me if it would be resolved or when It would be resolved. 

They do not have the correct name They do not have the correct date of birth They do not have the correct address and yet they still applied bad debt to my credit report. How does this happen???? 

Then they tell me that they will not tell me anything about the debt, or give me any other information?????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been having issues with XXXX and Experian in reference to credit inquiries being deleted from my credit report even after proof of my information being exposed in past data breaches and informing them of unauthorized hard inquiries observed recently on my credit report. XXXX has deleted all hard inquiries and also mailed out a current credit report. I am requesting for the same results with XXXX and Experian after several recent disputes via phone. Attached below are documents of the results.

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 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A transaction of XXXX dollars was used from my debit card at a XXXX location. I received an alert from the bank that my debit card has been used and that it was a PIN transaction. I called in to report it immediately but my claim was denied. I had filed a police report as well and provided this information but still nothing was done to return my funds. The transaction wasnt authorized because I had lost my card and the bank refuses to even consider the fact that it was fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Conduent Incorporated
State: OH

Complaint narrative:
I have had no access to my funds, despite my funds being in my account, managed and held at XXXX XXXX XXXX financial bullying and my mercy. My funds were sent to my card XX/XX/XXXX. Today is XX/XX/XXXX. After attempting a call XX/XX/XXXX to the XXXX customer service number on the back of my card, due to my inability to ( for the second time in a week ) access my account online, using the website, I received the same message We have an important message regarding your account. Since I had to go through this not even a week earlier, I knew it was something they were flagging on my account as fraud. ( Previously there was no evidence of fraud and I cleared the account after waiting 45 minutes  to get through to someone ) XX/XX/XXXX I held for over an hour before finally giving up and settled with not having access to the funds and inability to use the funds, for the intended purpose my children and childcare expenses. Today XX/XX/XXXX, I called again at XXXX:XXXX  Central time and there was a message on the line that said we are currently performing a system upgrade and the expected completion time is between XXXX XXXX XXXX XXXX central time ; I held for a representative and was hung up on 5 times in a row, in an attempt to call. All the way up to XXXX! FIVE! I still have no access to my account. No access to online history or any other way to resolve this issue! How is this legal? What option do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Guidiville Indian Rancheria
State: IN

Complaint narrative:
I took out a payday loan and didn't realize how high the interest rate was. I don't believe they can legally charge that high of a rate in the United States.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I purchased plane tickets through XXXX on XX/XX/2019. They were nonrefundable UNLESS I purchased cancellation plan marked Exhibit 'A ' for {$38.00}. Things changed I had to cancel my tickets a week later it was 6 weeks before the flight. XXXX refused to refund my money and said I owe the airlines {$250.00}. I NEVER purchased anything from UNITED airlines. I reported this as fraud to Chase credit card and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: MS

Complaint narrative:
Please see the attachment, concerning my recent correspondence with Equifax. Equifax has violated my rights pursuant to FCRA 605B ( 15 U.S.C. & 1981 c-2 ) by not blocking and/or removing fraudulent accounts and inquiries within 4 Business Days of receipt. On XX/XX/2019, I mailed Equifax a certified mail, return receipt request letter, with the police report attached, stating that I am a victim of identity theft and to block the information that is the result of identity theft. They received the information on XX/XX/2019 and instead of blocking the information, they imitated a dispute. They sent information to my email on XX/XX/2019, stating that they want me to receive the results through via email. I never  authorized them to contact me through my email ; in fact, I mailed them all of the information that they needed. On the results they mail me dated XX/XX/2019, they stated that they will not block the information on my credit file and will contact the creditors on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
I monitor my credit report constantly. On XX/XX/2018 I sent a letter of validation to the company called CBS Collections in XXXX, LA asking for proof that I have a debt with the company. They send a piece of paper with my name typed and a dollar amount stating I owed money. I submitted a complaint XX/XX/2018 about this company on Consumer Financial Protection Bureau and receive invalid response stating there is no company with the name. There is no occupational license for operation for this company in the state of Louisiana. I have no acknowledgment of this account and ask for removal from XXXX and XXXX credit bureaus.

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 2019-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: OR

Complaint narrative:
Halsted Financial Services XXXX XXXX XXXX XXXX IL XXXX has been repeatedly robocalling me for over a month. It is a scam to attempt to get people to call back. When you answer the phone it is silent for 10 seconds then disconnects the call every time. This is unacceptable and a scam. This company should not be calling my phone multiple times a day from different spoofed numbers and then hanging up when I answer. 
When I finally called back the representative at first refused to give me the name of their company or their mailing address. I requested to speak with a supervisor and was placed on hold. 5 seconds later the representative disconnected the call. 
I called back and demanded a supervisor who finally gave me their company name and address, but had no explanation for the spoofed robocalls and in fact denied that their company even uses robocalls. This is a blatant lie and misrepresentation by this company. There is no other explanation for the frequency of the calls and the fact that every single time you answer it hangs up. 
This company is obviously not following the fair debt collection practices act in the letter of the law or the spirit. They did not even provide me with the mini Miranda stating that this is an attempt to collect a debt. This is unacceptable behavior and the company needs to be held accountable.

How many people has this happened to who do not know what is allowed under the law? This can not be allowed to continue.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: TX

Complaint narrative:
inaccurate information showing on my credit report. This is a FTC violation

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 2019-06-12 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/18 I ordered a supplement on line the price was {$5.00} which I never got but when I got my bill there were 4 charges ( last four number of credit card XXXX ) XX/XX/18 {$5.00} XX/XX/18 {$4.00} XX/XX/18 {$89.00} XX/XX/18 {$90.00} I called the merchant directly and told her to cancel my order and give me the credit they charged to my credit card she said she will resolve the problem and than I called my credit card company and told the story they close my account and sent me the new credit card with new last four number XXXX ) I got another shock when I see they charge me again on XX/XX/18 {$89.00} and then I have to closed my account for good. 
I authorized my card only for .XXXX The Comenity Capital Bank said they will take 90 days for investigation even I closed my account but still I got charged I paid minimum balance for 3 months but they never resolve the problem they kept charged my late fee and interest for last 7 months instead of getting about {$100.00} credit from Comenity Now I owed them {$380.00} and no body listen at the Comenity

Company response to consumer: Closed with monetary relief