vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-16 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: PA

Complaint narrative:
I have tried to resolve a dispute through experian credit agency about incorrect information being reported on my credit file. I filed a dispute and then another and was told that they will not dispute it again.I have several accounts being reported as charged off and balances when these accounts were clearly under chapter XXXX protection.
XXXX XXXX-showing a XXXX balance. XXXX XXXX showiing a XXXX  balance.
XXXX showing a XXXX balance. XXXX XXXX, charged off. According to FCRA " things that can not be included in credit report are currently owed and active, charged off, having a balance due, late or delinquent or outstanding debts.This also appears in chapter XXXX laws which I am protected.
Experian is clearly in violation of several laws of FCRA reporting and Chapter XXXX reporting I want the items listed on my credit report to be accurate and fair.

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 2017-09-16 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: CA

Complaint narrative:
I am filing a complaint against American Express due to non distribution of my full reward points upon completing my minimum spend ( completed 30 days after receiving my credit card ).
I have attempted to handle this multiple times via phone as well as website chat but have had XXXX   success. On XX/XX/XXXX I spoke with a chat representative from the XXXX  XXXX  site who informed me that the error is on their side, and that my points would be credited " soon ''. I have attached a screenshot of that portion of the conversation. But that never happened -- so I spoke to another representative via phone support to try and get the issue resolved. That was sometime around the XX/XX/XXXX. On that call, the AmEx representative was able to get my full reward points amount to reflect ( a total of XXXX  points ) -- but those points do NOT reflect in my XXXX  account, which is where I need them to be in order for me to book any type of travel arrangements. It has been 6 months now, and I still do not have my rewards points reflecting in my XXXX XXXX XXXX account. I only show the total amount spent, which is 11,200 roughly. I have included screenshots to indicate that my minimum spend was hit within 30 days of receiving this card, as well as the discrepancy in points reflected in both accounts, and it has been well over the 6-8 weeks that American Express keeps regurgitating to me to wait for these points to appear. I have held up my end of the bargain on this and spent thousands of dollars with their company which they have made money on through company interest fees, and yet they have not held up theirs and credited me these points owed. Please let me know if there is any additional information I can provide on this matter.
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I manage all the bills, including accounts belonging to my husband, and they are paid on time if not before the due date with minor exceptions. The mortgage blemish from almost 7 years ago is the only negative on our report and resulted from the downturn in the economy affecting my husband 's employment. I 'm therefore confused why my credit score is always lowered or dramatically affected for foolish reasons. Only varying factor is my gender. 
This complaint is frankly for the sexism I 've experienced from credit score companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My information was stolen, among millions of others, in the recent " leak. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax improperly handled my credit report data, resulting in a breach of all of my credit history and personal identifying information. These agencies should n't even exist, how are they allowed to collect all of our information with no government oversight. Credit and financial history should just be an arm of the Federal government so this can be given proper oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Went into branch and asked for payoff on X/XX/17 received payoff of XXXX. Paid off account at that time in person at branch. Branch had me sign a piece of paper with intention to close and payoff and sign- they faxed them to corporate headquarters. Checked status of account a week later and a balance was still showing. Called customer service and they basically said that 's the balance. They stated we never received letter of intent to close. I went into branch again and business banker stated the remaining balance was the banks fault and said he would waive it and ensure account was closed and paid off. Still nothing. Have called customer service 4 more times they say it 's not closed nothing they will do. Been back in branch and they say oh a few more days. Nothing. I want this account closed - I paid it off, I sent letter -- they are keeping it open. Giving me run around. Not good customer service. Bad policy. I have done everything correctly- got payoff, paid amount, sent letter .... they are giving me the run around, not helping.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-16 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: SC

Complaint narrative:
I submitted several disputes to Equifax regarding a tax lien filed in XX/XX/XXXX. I checked with the clerk of Court whom stated to me that they do not verify ANY sort of information or report information to the credit bureaus. I was also educated about the new law that took effect XX/XX/XXXX. The tax lien reporting on my credit does not list any identifying information such as my DOB, and social security number. Equifax has failed to follow this new law and this lien should have been deleted from my credit report following the first dispute.
XXXX and XXXX have deleted the lien, but Equifax has not.
My name is XXXX XXXX.
DOB XX/XX/XXXX SSN XXXX Tax Lien Reference # XXXX.
Your assistance with this issue will be greatly appreciated.
Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I manage all the bills, including accounts belonging to my husband, and they are paid on time if not before the due date with minor exceptions. The mortgage blemish from almost 7 years ago is the only negative on our report and resulted from the downturn in the economy affecting my husband 's employment. I 'm therefore confused why my credit score is always lowered or dramatically affected for foolish reasons. Only varying factor is my gender.
This complaint is frankly for the sexism I 've experienced from credit score companies.

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 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I manage all the bills, including accounts belonging to my husband, and they are paid on time if not before the due date with minor exceptions. The mortgage blemish from almost 7 years ago is the only negative on our report and resulted from the downturn in the economy affecting my husband 's employment. I 'm therefore confused why my credit score is always lowered or dramatically affected for foolish reasons. Only varying factor is my gender.
This complaint is frankly for the sexism I 've experienced from credit score companies.

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 2017-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
This is RPM? RECEIVABLES PERFORMANCE MANAGEMENT , LLC They are running a scam. I have no outstanding debts, my credit report is clean, I never recieved a letter, they wo n't tell me what they are calling for, hang up more than 50 % of the time, try to verify information before telling who they are or what they want, hang up if you do n't comply. There are hundreds of reports of the same behavior online, why are these people not in jail yet?!

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 2017-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: NJ

Complaint narrative:
I took out a {$600.00} Loan online. I did not expect to have make payments of {$210.00} with {$30.00} going to the principal and the remaining the money going to the interest in the amount of {$180.00} a month. In addition to this loan is expected to be paid back by XX/XX/XXXX. 
The amount I will have paid back will be {$2400.00} for a loan of {$600.00}. I have not made a payment yet but I am expected to make a payment on XX/XX/XXXX. in the amount of {$120.00} {$90.00} going to interest and XXXX going the prinicipal. I know this is illegal to charge such a large interest on a small loan. I intend to contact my bank to stop the withdrawal of money to this company. I would like this high interest to be eliminated to pay this loan back in the amount of {$600.00} not {$2400.00} I have been deceived by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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: FL

Complaint narrative:
Upon recently checking my Equifax credit report, I noticed an XXXX point credit score drop and investigated the cause. The cause was a duplication error on a derogatory mark/collections account on the report. The collections account from XXXX XXXX for XXXX dollars has been duplicated and caused a significant drop in my score. I attempted to correct this on the Equifax website but was met with a requirement for a case number that I do not have and have no way of generating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Identity has been compromised with Equifax. They knew months ago and did not let us know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
According to equifax 's online check to see if my identity was compromised, they informed me that I was a victim of this hack. Screenshot attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted a request to the credit reporting agency Equifax disputing the medical collection account and have made several calls to XXXX collections requesting they forward information on the debt they claim I owe since XXXX XXXX. I have not been successful on correcting the issue and resulting on negative effects on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cash Link USA, LLC
State: MO

Complaint narrative:
I burrow {$500.00} on XXXX XXXX 2017 I made 10 payments of XXXX and 1 payment of XXXX. And my loan is still not paid of I have paid them {$1100.00} and they still said my pay off is {$510.00} to this date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-16 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On or about XX/XX/XXXX I went online and agreed to a free offer but had to pay {$1.00} for handling charges. When I gained access to the site, I discovered that it was not what it was suppose to be. I called the number and cancelled the membership. I was billed twice in the amount of {$99.00} after canceling. I disputed the charges with my bank Wells Fargo, after they accepted the claim # XXXX a temporary credit was issued, then on or about XX/XX/XXXX they recharged my account for the credits and said the claim was denied because I authorized the purchase. XXXX XXXX was the claims assistance center person who denied the claim. I called the 800 number to dispute this finding and could not get XXXX XXXX, but the other person I spoke to was rude and said there was nothing I could do I made the charge. I did not authorize these {$99.00} charges, the company I tried to contact directly and was told that I agreed to these future charges I said I cancelled and they said yes but you agreed to pay these fees for other sites as a part of your membership. I did not agree to any other sites, and I am not interested in the content of these sites I told them and they said nothing we can do for you. I was charged twice the {$99.00} and only one credit was issued by Wells Fargo and then recharged only one {$99.00}. Wells refuses to accept any other disputes on this issue and I was cheated out of {$190.00} by this company with a hidden agreement to accept membership in other sites, there refusal to assist in canceling, and Wells Fargo has a Zero liability policy on all their debit cards, but will not honor these disputes and have sided with the fraud company on my agreement to have these amounts charged to my card.

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 2017-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
The bank accepted a lesser payoff, it was not a short sale, this was in XXXX of XXXX. The balance due was {$3000.00}, this was not disclosed until after the sale was completed. For two years the bank accumulated escrow charges on the {$2000.00} balance, the bank paid insurance and property on a balance of {$2000.00} as if it were a property, all this was happening after the purchase was complete, I was no longer the owner of the property, the total accumulated to over {$8000.00} including legal fees for the foreclosure. The bank also took me to foreclosure proceedings because of the unpaid balance. The property was not in my name, the buyer owned it and was paying escrows. I finally agreed to pay off the balance because the property that was no longer mine was going to be foreclosed upon, I would have liable for a law suit from the new owner. I tried for two years to reason with the bank, no success. It was a huge financial hardship for me. I paid off the balance XX/XX/XXXX, I have a letter to prove that. Even after I paid off the balance the bank sent the account to a collection agency. It took me two years to clear that up, finally on XX/XX/XXXX the collection accepted the letter from the bank stating that the unpaid balance had truly been paid. The attorney involved in the foreclosure process bullied me when I called them to inform them that there was no actual property involved, XXXX and XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, XXXX. They said they would proceed with the foreclosure and that the new owner was going to loose his property because of my unpaid balance. The new owners 's name at the time of foreclosure proceeding was XXXX XXXX, XXXX. He had no idea was was going on and that he was in danger of loosing his property. The collection agency was 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 explanation
Consumer complaint received 2017-09-16 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: PMAB,LLC
State: NC

Complaint narrative:
I have addressed these accounts over XXXX years ago and was confirmed by XXXX XXXX with XXXX XXXX that this was handled and reported to all bureaus and it is still pending on my credit. I have documentation that is attached from the XXXX XXXX that states that I owe NOTHING. I have asked all credit bureaus to correct this and asked XXXX XXXX, and XXXX XXXX to report this accurately and still have not gotten this resolved. Would you please address and see that this is removed from my credit on all bureaus? I need help with this Account XXXX These accounts with XXXX XXXX, XXXX XXXX should be removed from my name. The collection company is PMAB , LLC and was informed this was inaccurate as well. 
XXXX XXXX with XXXX XXXX and XXXX her supervisor can be contacted XXXX XXXX XXXX XXXX XXXX Patient Accounting Patient Accounting Team Lead Direct Dial : XXXX XXXXXXXXXXXX Please remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX have reported all these tax liens on credit, which negatively affects my credit rating. It was passed that not liens should be on credit reports in XXXX of this year. Please address and have all these reported correctly and accurately on my credit report. Secondly, these balances should have been paid by Bank of America prior to the close of sale on XXXX XXXX XXXX, XXXX NC This was in litigation and claimed to be collected prior to the sale of this property. Please address with Bank of America and refer to the agreement.

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 2017-09-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I took out a private loan through Wells Fargo during my last year of college in 2009. Both my parents had been laid off during the recession and were unable to contribute to my education. I just wanted to finish school. I have been making payments on this loan consistently since then but have barely made a dent in paying off the loan because of the lender 's online banking practices. 

When I took out the loan I opted to make online payments. However, the online option for payment through Wells Fargo does not allow borrowers to pay above the minimum on a loan unless they intend to pay off a loan in full. 

Once I accidentally paid my bill two times in one month and was told by a customer representative that Wells Fargo would not allow me to make a payment in XXXX of that year because they do not allow debtors to make more than twelve payments in one year. 

I would like to pay my loans off more quickly and accrue less interest but I am unable to do so as Wells Fargo will not accept a payment above the minimum or an additional payment. This practice is clearly intended to keep individuals like myself in debt for as long as possible.

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