vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
RE : Experian Freeze/Thaw is supposed to be simple and secure. Experian 's online system forced me to snail mail to request to thaw. That does me NO good, as I need the temporary thaw tomorrow, XXXX. So, my Experian account will remain frozen in perpetuity, whether you or they fix the problem or not.

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 2019-08-13 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: VA

Complaint narrative:
Equifax Mortgage Service is incorrectly reporting I'm in collections with 2 credit card companies XXXX XXXX and XXXX XXXX. My own reports show both accounts have been closed since XXXX XX/XX/XXXX. XXXX XXXX effective XX/XX/XXXX closed the account with a XXXX Balance. Today XX/XX/XXXX XXXX XXXX reported the account has been removed from my credit report. XXXX XXXX has added remarks to my report indicating the account is closed and not in collections. I'm attaching information from all 3 credit agencies which verify my above statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I enrolled in the Citi Priority Checking Account promotion that stated " open an new regular Checking account in the Citi Priority Account package by XX/XX/2019 and meet the following requirements : Within 60 days after account opening, complete one or more qualifying bill payments for two consecutive calendar months and spend {$750.00} required minimum amount on purchases using your Citibank debit card in order to receive XXXX Citi Thank You Points. '' After I met the requirements, I called Citibank and confirmed with the phone representatives that I satisfied the requirements, and they affirmed that I did and would have to wait 60 days to get my account opening bonus. I met the requirements within the time allotted and have waited for the required time to pass and have not received my XXXX Citi Thank You Points. It has been months now and I have called on multiple occasions and filed inquires to have this resolved, but to no avail. I have met the terms of the promotion from my side and would appreciate the points to be deposited in my account.

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 2019-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KeyBridge Medical Revenue Management
State: IN

Complaint narrative:
Was never notified didnt know till it hit my credit report

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 2019-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
When I made my XX/XX/XXXXpayment the loan balance reflected was {$1400.00}. When I logged on to make my XX/XX/XXXXpayment ; it is now reflecting my loan balance is {$1500.00}. I called the customer service line and spoke with a representative on XX/XX/XXXX. The representative said the interest is compounded daily therefore your balance will be higher. I asked for a statement showing all my payments I have made and reflecting how much each payment went to principal and interest. She advised me she can not provide that because it company policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XXXX XX/XX/2019, my credit card was declined. I called USAA, my financial institution, with which I have just over {$23000.00} in accounts. I was informed by a customer service member on the phone that my credit card was closed on XXXX XX/XX/2019 and that all of my deposit accounts would also close within 30 days. She stated there were five reasons for these decisions 1 ) Fraud 2 ) Identity Theft 3 ) Legal Action 4 ) Aggressive or abusive behavior 5 ) Continuous banking issues. I explained that I had none of these, and she agreed she could find no reason on my account. After 1.5 hours I was told they would elevate this to the office of the CEO, and I would hear back in two days. I waited until the end of the business day on XXXX XX/XX/XXXX and called USAA back. I was transferred to the office of the CEO and spoke with a gentlemen who explained that he would open an investigation and I would hear something in 24-48 hours. On the morning of XXXX XX/XX/2019 I received an email from USAA with the name of the individual who would be handling my investigation, and it stated I would hear from her within two business days. I had not heard anything by XXXX XX/XX/2019, so I called back and left a message with this individual. On morning of XXXX XX/XX/2019, I still had not heard anything so I called and left a second message. By the afternoon of XXXX XXXX I called back and was informed that the individual I needed to reach was in a meeting, and an official correspondence would be created for her to reach out to me. On XXXX XX/XX/2019 I came home to a letter in the mail dated XXXX XX/XX/2019 from USAA telling me that they had exercised their right to close my account without reason and that it would be their final reply on the matter. This creates undue hardship for an upstanding military member with good credit, and none of the five disqualifying factors. I have received no explanation, and am now forced to correct their error by finding a new place for all of my accounts. Additionally, they closed my longest line of credit with them which in turn hurts my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
US Bank plans to sell our house at auction on XX/XX/XXXX and refuses to communicate with me, stating that I am not on the mortgage. The address of our home is XXXX XXXX XXXX, XXXX, MA, XXXX. 
How can US Bank foreclose on me if I am not on the mortgage? I am on the deed and the downpayment was mine. Our original mortgage was with XXXX. My husband and I are in divorce court in XXXX - my husband, XXXX XXXX, refuses to sign the divorce papers or to pay the note and he alone is responsible. XXXX XXXX defaulted on his mortgage in 2017. 

My prior Attorney, XXXX XXXX, refused to file a motion to help me, despite my having paid him a substantial amount to stop this foreclosure. Attorney XXXX XXXX is advising my husband, XXXX XXXX. I believe that this is a case of fraud.

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 2019-08-13 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: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
I bought a car from this company 6 years ago. Upon receiving the car I had to take back a few times because of maintenance issues with the car. Dealership wouldnt fix the car until I reported to the owner. Owner of the company made them fix the problem which is persist the whole time I had the car. I dealt with this problem for 5years of the loan. I was late a few times on my loan and was a great customer. Maybe, the last 5-7 months of the loan I wrecked the car. I was out of work for a bit due to the wreck of the car. I owed around XXXX of a XXXX loan and was to the end of the loan. Company was mad for me not paying the XXXX. That I owed! My plan was to pay in one payment when I received my payment for insurance. My car was reported as a charge off before 180 days of a reporting time for a charge off. I talked with someone from the company but didnt get it in writing thinking they would delete the information once paid. I was a great customer and paid my car up until the end of the loan. I only owed XXXX and I felt I was done wrong for that payment. I was stuck with a charge off on my record for 6 years now and I have been getting jacked up loans because of this treatment. This company wouldnt approve me for a new car but sent a letter 6yrs later saying Im approve for a car. The way this company treated me for XXXX I would never send a family member to them. I think the prey on people with bad credit and treat them wrong when someone falls on hard time. I didnt deserve 6years of  charge off on my account for XXXX dollars I paid. Would have been nice to Have this removed so I can move on with my life. If I would have known not to trust a company when they put charge off and say they would erase once received payment. Next time get it in writing on anything they say over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
Nationwide Credit , Inc. send the attached letter trying to collect monies that i don't owe, I have agreed on paying {$260.00} over 12 months until XX/XX/2019, also, XXXX XXXX was doing automatic withdrawal from my account, thye have decided to turn it ove rot collection agency, the glowing re the facts : 1- agreed with XXXX on {$260.00} over 12 months 2- after 12 months they will show it is agreed upon payments on my credit report 3- I authorized XXXX XXXX to withdrawal monies form my bank account and they established this. 
4- after 10 payments they send the same account collections agency. 

it is illegal and fraud.

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 2019-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates called on XX/XX/XXXX. They called myself, my wife, and my brother and sister in-law. My brother and sister in-law aren't blood relatives, so they have no reason to call them. I pulled two credit reports. On one credit report they have made multiple inquiries. I haven't missed a payment since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was on the look out for a pair of XXXX XXXX XXXX yellow shoes, when i came across a guys page on XXXX XXXX. His name according to him is XXXX and we talked on XXXX XXXX where he proceeded to tell me he only took payments through XXXX or XXXX, we exchanged numbers and continued to speak through text ( i still have all of them ). After sending him the money through XXXX {$260.00} on XX/XX/2029, i asked for a tracking number to which he said he took a picture of and would send it, but he never responded to me or gave me the tracking number after multiple attempts to contact him i gave up. i contacted XXXX XXXX  and they said they couldnt do anything about it. i called my bank and because it was through XXXX they said theres nothing they can do because it was an online transaction. I basically lost {$260.00} and my bank isnt willing to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC systems is collecting a debt for XXXX. The debt was put on my XXXX  credit report and I don't owe XXXX  anything. When I called IC systems I was told to contact XXXX. When I contacted XXXX  I was told that systems changed in 2015 and they dont know what the debt is for. If a company is unable to provide documentation as to why a debt is owed it should be removed.

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 2019-08-13 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: FL

Complaint narrative:
The credit bureaus didnt follow the Fair credit Reporting law. I asked the credit bureaus for the method of verification and they didnt provide it to me. Therefore, I believe they reporting inaccurate information on my credit report. I have been trying to get those inaccurate and unauthorized information on my credit file since last year and the credit bureaus keep on giving me hard time. They dont want to follow the laws.

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 2019-08-13 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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 — Was not notified of investigation status or results
Company: FACTUAL DATA CORP.
State: NJ

Complaint narrative:
In my recent CFBP complaint I made it very clear that Factual Data that is hired by NJHMFA New Jersey Housing and Mortgage Finance Agency, check my credit without the proper procedure according to the requirements of a government Housing program that stipulate in a clear set of guildlines that MUST be met before anyone in the community seeking housing assistance through the well known Home assistance program : The Hardest Hit Fund ... with Governmental policy underwriters making the language absolutely clear that every participant of the greatly needed help of : The Hardest Hit Fund is required to display essential documentation to qualify for such assistance, and if those requirements are not met, there should be no attempt to apply.

Therefore, as I stated in my last CFPB complaint that went unanswered or acknowledged by Factual Data or NJHMFA, who authorized the credit check of my report with out the proper documentation to complete the process to qualify if I never was able to display all required documentation as demanded from the government program, financial-current mortgage documentation- other borrower on the loan- not able to refinance and remove borrower off the loan- No signature from other borrower.

Etc.

According to policy and procedures no members of the NJHMFA is to alter or use there own discretion to decide policy if the stipulations is clearly written who qualifies and who disqualified.

My credit should not have been checked if I was strongly identified as a disqualified participant from the initial request of assistance.

Also Factual Date Stated in their previous CFPB statement that I was contacted an was aware of the attempt made by them disputing their client inquiry when the facts remain I was contacted that very day of their CFPB statement on XX/XX/2019 via phone for the first time of some sort of investigation into this matter that supposedly taken place.

I was never informed of this before hand and never received any results of this investigation via mail, or Email or via phone call.

This is a false statement from Factual Data and a attempt to avoid the facts that this inquiry was initiated at their clients direction without the proper documentation necessary to proceed.

The underwriters of this program left no room for a discretionary policy which means, No NJHMFA employee has the ability to dictate or alter the directives of the underwriters of this government program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX send the attached letter trying to collect monies that i don't owe, I have agreed on paying {$260.00} over 12 months until XX/XX/2019, also, American Express was doing automatic withdrawal from my account, thye have decided to turn it ove rot collection agency, the glowing re the facts : 1- agreed with AMEX on {$260.00} over 12 months 2- after 12 months they will show it is agreed upon payments on my credit report 3- I authorized American express to withdrawal monies form my bank account and they established this.

4- after 10 payments they send the same account collections agency. 

it is illegal and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: KS

Complaint narrative:
I bought a car from this company 6 years ago. Upon receiving the car I had to take back a few times because of maintenance issues with the car. Dealership wouldnt fix the car until I reported to the owner. Owner of the company made them fix the problem which is persist the whole time I had the car. I dealt with this problem for 5years of the loan. I was late a few times on my loan and was a great customer. Maybe, the last 5-7 months of the loan I wrecked the car. I was out of work for a bit due to the wreck of the car. I owed around 900 of a XXXX loan and was to the end of the loan. Company was mad for me not paying the XXXX. That I owed! My plan was to pay in one payment when I received my payment for insurance. My car was reported as a charge off before 180 days of a reporting time for a charge off. I talked with someone from the company but didnt get it in writing thinking they would delete the information once paid. I was a great customer and paid my car up until the end of the loan. I only owed XXXX and I felt I was done wrong for that payment. I was stuck with a charge off on my record for 6 years now and I have been getting jacked up loans because of this treatment. This company wouldnt approve me for a new car but sent a letter 6yrs later saying Im approve for a car. The way this company treated me for XXXX I would never send a family member to them. I think the prey on people with bad credit and treat them wrong when someone falls on hard time. I didnt deserve 6years of charge off on my account for XXXX dollars I paid. Would have been nice to Have this removed so I can move on with my life. If I would have known not to trust a company when they put charge off and say they would erase once received payment. Next time get it in writing on anything they say over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2019-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
this agency expects a XXXX year old veteran with health issues to understand this jibberish after i just received a va home refi paying off all my past and over due bills. 
I have been discriminated by Trans Union!

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 2019-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Navient has submitted a 90 day late payment to the credit reporting agencies. Currently, I am almost 120 days late but the only option Ive been given is to pay {$1600.00} to become current. I do not have {$1600.00} and I dont have the ridiculous amount of money that they are asking me to pay every month. They are no longer giving me any options for forbearance, as I have exhausted that option. They continue to add interest to the principle and I currently owe 5 times more than they loan I took out. Please help!

Company response to consumer: Closed with explanation