vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I spoke with a representative @ XXXX to report my previous address were incorrect. They representative told me the addresses were removed. I just received a copy of my credit report and the incorrect previous address are still reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX never been my address Date Reported : XX/XX/XXXX - not factual I was living in XXXX XXXX TX XXXX XXXX XXXX XXXX MS XXXX This is my mother in laws house I have NEVER LIVED there. Date Reported XX/XX/XXXX XXXX. XXXX XXXX XXXX MS XXXX This XXXX. XXXX is not mine it belong to my husbands family in the late XXXX I was a child, was unaware of my husbands family at that time. Date Reported XX/XX/XXXX My spouse history is not Mine Transunion and XXXX   keep telling me that these address are associated with accounts which is not factual. All of my creditors have a XXXX XXXX Texas address and a XXXX MS address.

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 2018-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stephen Einstein & Associates, P.C.
State: NJ

Complaint narrative:
I am enrolled in a debt program since XX/XX/XXXX with the office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, New York Phone # XXXX. They have handled and settled all of my credit card debts with only the smallest one remaining. They reached a settlement with XXXX XXXX XXXX who was collecting the debt. The proposal was in the amount of {$1200.00} in XX/XX/XXXX. The original balance owed which included interest and late fees was {$3000.00}. There were to be three installment payments starting in XX/XX/XXXX through XX/XX/XXXX being the final payment. Apparently, I believe XXXX 's office did make any payments to XXXX XXXX XXXX which in turn they sold the debt to XXXX XXXX XXXX XXXX. I received a letter dated XX/XX/XXXX indicating I owe Stephen Einstein & Associates {$3000.00}. I immediately sent them a letter on XX/XX/XXXX explaining all correspondence needed to be sent to XXXX XXXX XXXX 's office since I was enrolled in a National Debt Relief program. I also notified XXXX 's office as well. Whenever I would follow up with XXXX  office to see if they reached a settlement I was told they could need get in touch with Stephen Einstein 's office. They said they sent a Power of Attorney and were waiting for a response. Finally, I tried to call Stephen Einstein 's office and after several unsuccessful attempts I reached a receptionist who connected me to a XXXX XXXX XXXX at ext. XXXX who said he was the person handling my account. I told him I wanted to settle this matter as soon as possible. And I sent a letter by certified mail explaining I wanted to settle.He told me to let XXXX 's office know he was handling it and he would also contact them. I spoke with him on XX/XX/XXXX. A week later I received a complaint on XX/XX/XXXX that I was being sued by Stephen Einstein & Associates in amount of {$3100.00} which now include a filing fee charge {$75.00} plus {$7.00} service fee. Now I have to respond to this complaint before XX/XX/XXXX. XXXX XXXX XXXX 's office did not protect my interests and are not doing anything to resolve this matter quickly. They are charging me an additional {$200.00} to answer the complaint. Again I have made several attempts to have this matter settled and Stephen EinsteiXXXX 's office is not complying with my requests. Thank you.

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 2018-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
I received a " second notice '' letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX Registered as XXXX XXXX XXXX XXXX saying that they've tried to contact me. I have not received any other letters or phone calls from this company. The letter mentions that I owe {$330.00} to XXXX XXXX XXXX XXXX XXXX, which I also have never heard of, but XXXX can accept a discounted amount to resolve this account. At first, I thought this must be a scam. I googled what to do and decided to write a letter to request validation, but checked my credit report first. XXXX reported it to the CRA on XX/XX/XXXX and the credit report states the source is a medical bill from XX/XX/XXXX ( so they evidently gave them some information about the source, but not me ). I will need more information to determine if the debt is legitimate or whether it was paid. Medical billing is often confusing, untimely, and difficult because of all the parties involved and I'm concerned the claim is so old, I will be unable to find any records. I am now divorced and no longer have access to the same bank account/credit card/etc. 
However, it was wrong of this company to lie about attempting to contact me, make a damaging report without the opportunity to validate or dispute the claim, and to do so on something so outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed a collection that hit my credit report to Equifax on XX/XX/XXXX. It is from XXXX XXXX for a XXXX bill for {$150.00}. I have filed a complaint with the company as well. Equifax responded back on XX/XX/XXXX stating the account is verified. How? I have an account with XXXX and still have cable so this information is wrong. Ive had multiple companies try to put this XXXX account on my credit. I was given no notification that this would be back on my credit. Nothing had been sent to me regarding how this information is correct. This account is not mine and it has not been validated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I spoke with a representative @ Equifax to report my previous address were incorrect. They representative told me the addresses were removed. I just received a copy of my credit report and the incorrect previous address are still reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX never been my address Date Reported : XX/XX/XXXX - not factual I was living in XXXX XXXX TX XXXX XXXX XXXX XXXX MS XXXX This is my mother in laws house I have NEVER LIVED there. Date Reported XX/XX/XXXX XXXX. XXXX XXXX XXXX MS XXXX This XXXX. XXXX is not mine it belong to my husbands family in the late XX/XX/XXXX I was a child, was unaware of my husbands family at that time. Date Reported XX/XX/XXXX My spouse history is not Mine XX/XX/XXXXand Equifax keep telling me that these address are associated with accounts which is not factual. All of my creditors have a XXXX XXXX Texas address and a XXXX MS address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I mailed the attached letter to them 3 times and have verification that they have received it. However, they have reported the debt on my credit report and they have refused to contact me via mail as I have requested in the letter. They have not contacted me at alI after I mailed this letter. I would like to report them for unfair credit practices.

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 2018-02-04 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I called Chase Freedom on XX/XX/XXXX and asked if they also had a 0 % interest promotion they could activate on my account, like the one I had just activated on my XXXX for the next year. The agent advised that it had been activated and would carry through XX/XX/XXXX. I was very pleased with the quickness of the activation. I assumed that it was through XX/XX/XXXX, like XXXX 's was, and immediately switched to this as my primary card. During the holidays, I set up auto payment for minimum amount due, not worrying about interest based on the phone conversation. On XX/XX/XXXX, I reviewed my statements and noticed I was being charged 12.99 % on all of my purchases and the activation I was promised had never been activated. I called Chase to see if they could rectify the situation. On XX/XX/XXXX I was contacted by the Chase Bank with a " resolution. '' I was driving and unable to write down the exact details. She had reviewed the call and was offering a resolution. She advised me that the agent on the call had " misunderstood my question. '' She said the agent thought I was asking about a quarterly promotion and not the 0 % promotion I had clearly asked about. She stated there was " opportunity '' on the call for the agent to have been more clear and to have listened better. She offered as a courtesy to refund 2 months of interest, but advised I will immediately, on my next billing statement due date of XX/XX/XXXX,  have to assume responsibility for the 12.99 % interest, ( approximate {$90.00} a month, ) until I am able to pay the bill down. This is not what the original agent had agreed to. This is deceptive and unfair. I could have placed all of these charges on my XXXX and be enjoying 0 % interest, if their agent hadn't " misunderstood me, '' and provided an incorrect answer to my question. I also wouldn't be spending my free time trying to rectify the issue, first with the bank and now through you. My time has value. The person who called me back advised that I must not have heard the agent say that it was and XX/XX/XXXX through XX/XX/XXXX promotion and so it is my fault for not listening closely enough. Now, if I want to transfer the balance to my XXXX I would be responsible for a 3 % transfer fee. So, I'm left paying either a transfer fee or a monthly interest fee of approximately {$90.00} because of their agent misunderstanding my question and providing me incorrect information. I am not able to pay the balance off immediately and this is due to the bank agent 's error. I am hoping you can help me reach a fair resolution. Thanks for your time in processing my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04 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: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-04 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/2017 I opened an checking account with First Tennessee Bank in respond to a promotion they were advertising on their website at the time : Checking account with direct deposit and get {$300.00} with promotion code XXXX. At the time the ads did not mention anything about direct mailer other than being a resident of TN and surrounding area. Two months after I satisfied the direct deposit requirement my account was still not credited with the {$300.00} that they advertised. So in late XX/XX/XXXX I contacted the bank by phone, and after the agent verified my direct deposits she assured me that the bonus would be credited to my account within 3 to 5 business days because she said she has put in an escalating ticket for me. But a week passed, then two weeks, and still nothing. Finally in late XX/XX/XXXX after I complained in the bank survey someone contacted me, only this time i was given a totally different answer. I was told they denied my bonus because they believe my home address was not on their mailing list. They now claim that promotion was for physical mailer only. What a total lie! That promotion was advertised boldly on their website at the time and i just clicked on the " APPLY NOW '' button under that ads and opened my account. It was never a physical mailer! I don't understand why they are making up such lousy lies now. The only explanation would be to avoid paying out the bonus that they promised in their ads. Either way, that kind of marketing/business practice is very deceiving and dishonest. They may be able to acquire customers quickly at first but won't last.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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: WI

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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: WI

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04 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:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CONDOR CAPITAL CORP
State: AL

Complaint narrative:
The company was sued in XX/XX/2014 and forced to sale loans and to pay its customers for over charging them on loans and ordered to pay XXXX XXXX over 3 million dollars for fraud etc. my loan was transferred to another company and payments were made through my bankruptcy attorney recently the company contacted me stating I owe XXXX on my loan in which originally started at XXXX I've had the vehicle for almost 5 years close to being paid off leaving me to only owe a little over 2,000 so where the money has been going I have no idea. Who is the company that was transferred the account I've googled them and contacted them they can't seem to give me information and this company who claims they never went out of business name just changed in which I know is a lie I have the documents from my local federal court house along with payments that were made they are originally condor capital they're calling themselves condor secrunization trust now

Company response to consumer: Untimely response
Consumer complaint received 2018-02-04 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: MO

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX is not prioritizing my additional payments to pay off interest bearing loans as they had originally promised they would. In fact, the online Paypal payment system will not permit the lendee to designate where the funds should be allocated. Any payments made are allocated at Paypal 's discretion. I have interest bearing loans that should have already been paid off however Paypal has been paying off 0 % loans as well with my additional payments. I am therefore incurring interest charges on loans that should have been paid off already. Paypal has gone so far as to blatantly apply my payments to a 0 % interest loan that they claimed was already credited due to a cancelled order. On XX/XX/XXXX Paypal posted " XXXX XXXX XXXX XXXX Refund + {$1500.00} '' However as of today, XX/XX/XXXX ( 55 days after this supposed refund ) Paypal credit shows that my payments are still being actively applied to " XXXX 24 Easy Payments {$1400.00} Balance ''. 
In my last complaint XXXX refused to take responsibility for the lengthy delay and false claims regarding a prior refund of {$1200.00}. On XX/XX/XXXX Paypal posted to my account " We're processing your refund and your money will be available on XX/XX/XXXX. '' However that {$1200.00} was never actually refunded to me until XX/XX/XXXX. Paypal sent an email on XX/XX/XXXX promising the refund however those funds were only available to me on XX/XX/XXXX. And yet Paypal still shows on my account that the refund was on XX/XX/XXXX. I did not accept Paypal 's response at that time. I have included documents related to that complaint for reference. 
Fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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: MO

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-04 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: PA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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: PA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
After I opened master card I used it only few times and then paid it off. I received bill six months later stating with a credit limit of {$300.00} I had a balance of {$500.00}. I disputed transactions and said that I am not able to find card and that I didn't use it for six month. 
After a month they send me exactly the same bill. Considering that I don't have access online this makes the whole process very difficult.

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 2018-02-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX, I received a mortgage from BB & T. During this time, the appraised value of the home was {$280000.00}, based on square footage that was overstated on the appraisal by 1,251 square feet. This gross error was not discovered until after non-responses by BB & T 's mortgage ( for the lower rate that was stated of 3.875 % ) and I'd gone to another financial institution to refinance in XX/XX/XXXX. The other financial institution, XXXX, ordered an appraisal and now it's been determined there was a measurement error and the value of my home is upside down by a tremendous amount. After multiple attempts of left messages and emails with BB & T, I found a complaint email address and send my letter via email. I've attached my letter, along with the letter of response by BB & T. I responded to BB & T with a copy of the XXXX appraisal that was mentioned in their response letter. I've not heard anything back from them. In essence, they are stating they need another mortgage application and for me to pay for another appraisal. I do not feel in any way that I should have to pay even more money and re-apply for a mortgage they already hold that was handled inappropriately.

Company response to consumer: Closed with explanation