vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-25 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: TX

Complaint narrative:
I sent dispute letters via mail in online to XXXX XXXX and Experian, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the XXXX data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also 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 2017-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A good number of years ago ( I do not have the exact years ) most banks and finance companies were offering their credit cards with highly competitive terms on a very frequent and feverish basis. At that time, I applied for and received a XXXX credit card having TREMENDOUS TERMS through XXXX XXXX ( I understand that XXXX did n't have a bank but that was just the name that they used for the services that they provided ). The terms for this XXXX credit card was : An adjustable rate based on " The Prime Rate minus 2 %, plus a {$98.00} Annual Fee ''. Yes, that 's correct! 
At the time, I believe that the Prime Rate was around 8 % ( meaning around 6 % to me because of the Prime minus 2 feature. This was not a fantasy ; it was real. 
Over time, " XXXX '' sold-off its credit card division to " First USA '' who later sold-off theirs to " XXXX XXXX '' who, finally, sold-off theirs to " Chase '', which is where it resides now. 

This complaint is not necessarily against Chase or its credit practices but rather to obtain information about the coming changes that will impact my account in XX/XX/XXXX that their customer service reps were having difficulty in making clear to me. 
The new " Revised Terms as of XX/XX/XXXX '' calls for the APR for Purchases and Balance Transfers to be 4.99 %, which will vary with the Prime Rate. 

I never thought that my previous tremendous terms would last forever and expected that they would find some way at some point to change it. All I want to know is that there was no mistake in changing my terms and that I once belonged to a special class, all of whose terms will now be retired. 

On XX/XX/XXXX, I called Chase 's customer service line and attempted to make sure that they were aware that I was in the Prime minus 2 % class AND that ALL of those who are in that class will legitimately have their previous terms retired and replaced with the new terms that will go into effect on XX/XX/XXXX. 
They really could n't answer those above questions to my satisfaction because they did n't see that I was associated with the Prime minus 2 % terms and because they said that, as of XX/XX/XXXX, my rate dropped from 2.25 % down to 0 %. While Prime minus 2 sounds like a real fantasy, 0 % sounds to me like an outright mistake OR some deviously planned technicality wherein Chase may have found a loophole under which they could obtain the legal grounds to later make the changes that I now face. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a letter a week ago stating Chase is changing the Annual Percentage Rates [ APRs ] as described because my APRs they offer are below rates they currently offer. My revised rate will now be 12.24 %, instead of my current rate of 7.4 %, and will be based on the prime rate. 
I want to state that when the card was taken out in 2002 the interest was 11 or 12 percent based on the prime rate.It could have gone up then, but the prime was lowered, therefore the current 7.4 %. 
It is not fair to raise it that much this early, with the chance of the prime rate set to rise in the coming months. We have been good customers, paying more than the minimum payment, and on time. 
This particular Chase card is listed for XXXX XXXX, with XXXX XXXX as co owner. Our address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX. XXXX. 
Address : Chase XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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 — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that Portfolio Recovery ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XX/XX/XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, Portfolio Recovery has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections XXXX XXXX XXXX on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to Portfolio Recovery ) I am on the " OPT OUT '' list for Credit and Insurance. 

Portfolio Recovery from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Ive disputed transactions twice with Citibank. First, they denied my claim because they said they couldnt reach me, even though I left several voicemails through my relay service ( Im XXXX ). The second dispute was denied because they said the fraudulent transactions are consistent with my prior transactions. Umm, if they looked at this claim at all, they would know that Ive never used this account/debit card for ANYTHING. Every transaction on the account is fraudulent. There is no prior banking history. They obviously havent done their job. Im attaching the denial letter to this claim. It details the disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-25 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: IN

Complaint narrative:
EQUIFAX CREDIT MONITORING FAMILY PLAN AND PREMIER/COMPLETE IS IS RESTRICTING ONLINE ACCESS TO MY OLD MEMEBER SINCE 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: FL

Complaint narrative:
I have pulled up my credit report in the Past and recently XX/XX/17, All my information is mixed with Fathers information. When Ipull up my credit report with my social security and date of birth it pulls up my dads information. I have also contacted a credit repair company suggested XXXX XXXX website and the rep that I spoke with also pulled up the report and there in fact showed Accounts that belong to my father. Also My father is Not deceased so there is no reason for this mix up. There are inquires that have been on my credit report for a more then five years. There also credit cards that were opened with my information.

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 2017-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have a third party debt collector who froze my savings account and my daughters XXXX school account when the only money I receive is XXXX and child support. My bank told me that since I transferred the money from checking to these accounts it is no longer protected. I feel this is a violation of my rights and money. Also, the creditor did not send me certified mail and directly just froze my accounts. They never showed me proof of the debt as well. I am suffering without my funds. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I purchased replacement parts for my Sears stove via telephone from XXXX because the website was not loading. I used my Sears store credit card for this purchase which totaled {$210.00}. After the purchase, I contacted Sears credit card customer services and asked if this amount was eligible for a 6 month promo. The rep put me on hold to check if this was possible, and came back to the phone call and said yes, she would put this purchase on a 6 month promo. She read to me all the terms and conditions, i.e., interest would accrue, if I do n't pay it off in 6 months the interest would be charged, etc. I then advised her that I currently have another 6 month promo on this card, and wanted to make sure as I make my payments, the payments would be applied to the promo that ends first, and she said yes. Based on our conversations, when the call ended I was certain that this purchase had been placed on the promo we discussed. However, today, I get an emailed letter from Sears credit services, saying that a " request '' was submitted to apply the promo to that purchase, and they will review the request and get back to me in 2 billing cycles.

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 2017-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pioneer Credit Company, Inc
State: LA

Complaint narrative:
There was not an option for my problem. This report has showed on my credit and damaged my credit for 7 years and 6 months. I have tried for almost a year to contact the company with no return calls. When I call the number one of the office braches have given me for the main office that takes care of the debit I always get an answering machine, I leave a message, and they never return my call. I have been trying to buy a house and this debit that I am not able to pay is damaging my interest rate. I have disputed this account thru XXXX XXXX and the return response was they were going to remove from my credit but it remains as a {$230.00} charge-off. Please remove this account from my credit so I can buy a house!

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 2017-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
XXXX XXXX XXXX is stalking me and has began a harassment campaign. This company is misrepresenting the purpose of the call and disclosing personal information to people I barely know. The have failed to send any correspondence in the mail with a detailed discription of debt in question. This is a total violation of my rights.

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 2017-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Cars America Inc.
State: NV

Complaint narrative:
XXXX XXXX of XXXX, XXXX whom then became XXXX XXXX XXXX XXXX and Finally Sold out to Cars America located on XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

Cars America Repossessed my XXXX XXXX XXXX on XX/XX/XXXX claiming that I was not supposed to leave the State with the car. I moved from XXXX to XXXX due to a Job Opportunity. XXXX XXXX was my only means of transportation. I was never told nor informed that taking the vehicle out of the state of XXXX was not allowed. 

Back in XX/XX/XXXX when I electronically signed the Contract, the Sales Manager at XXXX XXXX XXXX XXXX never disclosed the " no leaving state clause '' she was only INTERESTED IN THE {$3000.00} DOWN PAYMENT I had with me. 

I did not electronically signed anything specifically in regards to and/or acknowledging the " not leaving the state of XXXX '' clause. 

Also, they sold me a vehicle with FRAME DAMAGES ... ... in XX/XX/XXXX, my car was hit while unoccupied " hit & run '' and upon removal of the Right Front Fender it was discovered that the vehicle has FRAME DAMAGE when I informed XXXX XXXX XXXX XXXX they said that I should have check the vehicle before signing the contract.. how am I supposed to check the FRAME? They should 've never put this car for sale with FRAME DAMAGES as it is not allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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 — Problem with personal statement of dispute
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that XXXX XXXX ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, XXXX XXXX has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections XXXX XXXX XXXX on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to Portfolio Recovery ) I am on the " OPT OUT '' list for Credit and Insurance. 

XXXX XXXX from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested 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 2017-11-25 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 — Problem with personal statement of dispute
Company: ARS National Services, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that XXXX XXXX ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XX/XX/XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, XXXX XXXX has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections ARS National Services on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to XXXX XXXX ) I am on the " OPT OUT '' list for Credit and Insurance. 

XXXX XXXX from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged {$70.00} in fees but my account never showed overdraft. I have a screenshot of the money in the account. They used trickery accounting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-25 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: IL

Complaint narrative:
I have been notified from XXXX that my information was compromised and I am requesting that 5 credit inquiries be deleted from 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 2017-11-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent in a complaint to Transunion and XXXX credit reporting companies well over a month ago with a copy of my Identity theft police report, FCRA 605 B, my ID NYS Drivers Lic. utility bill, and a narrative of what was fraudulent on my report circled and spelled out what had happened and I want the items blocked from my report immediately, and that was well more then a month ago, as I sent them certified and they were returned to me XX/XX/XXXX and it is XX/XX/XXXX and just got a letter from transunion XX/XX/XXXX that they need my id as they cant find my file, that is a lie they are stalling to correct my file and I want my file corrected now as I was a victim of id theft. I sent them all necessary paperwork and they are not following the regulations set forth by FCRA 605B that they are to block all info within 4 days or receiving dispute and they have dispute well over a month. I demand that my file is corrected immediately as Transunion and XXXX was directed and FCRA 605 B states within 4 days ....

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 2017-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: IL

Complaint narrative:
I have collection report on my XXXX credit report from Midwest Recovery Systems. The account number is XXXX. Please be advised that I am disputing this collections due to the fact that Midwest Recovery Systems, do not currently have a valid license in Illinois to collect on debts. This information is stating that their license is revoked. According to the IL Department of Financial and Professional Regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: MA

Complaint narrative:
I received what looks like a new debit card from a company called netspend. I have no need for this type of card, and I worry that they have opened an account in my name without my consent.

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 2017-11-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent in a complaint to XXXX and Experian credit reporting companies well over a month ago with a copy of my Identity theft police report, FCRA 605 B, my ID NYS Drivers Lic. utility bill, and a narrative of what was fraudulent on my report circled and spelled out what had happened and I want the items blocked from my report immediately, and that was well more then a month ago, as I sent them certified and they were returned to me XXXX XXXX and it is XXXX XXXX and just got a letter from XXXX XXXX that they need my id as they cant find my file, that is a lie they are stalling to correct my file and I want my file corrected now as I was a victim of id theft. I sent them all necessary paperwork and they are not following the regulations set forth by FCRA 605B that they are to block all info within 4 days or receiving dispute and they have dispute well over a month. I demand that my file is corrected immediately as XXXX and Experian was directed and FCRA 605 B states within 4 days ....

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