vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
DISPUTE PROCESS # 1 XXXX XXXX XXXX Opened XX/XX/XXXX Amount : {$900.00} Original creditor : 01 XXXX XXXX Overview : You 've paid off 0 % of your collection amount. 
Balance : {$900.00} Highest Balance : {$900.00} Opened : XX/XX/XXXX ( 1 yr, 5 mos ) Account status : Open Type : -- Responsibility : Individual Remarks : Account information disputed by consumer, meets FCRA requirements DIRECT DISPUTE If there 's an error on your report, you can submit a dispute without leaving Credit Karma. 

Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DISPUTE PROCESS # 2 : The information below is also part of another dispute process through XXXX XXXX that XXXX refuses to remove negative information from my credit reports. 

XXXX : XXXX Debt Collector XXXX Creditor Balance Disputed XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
From the end of last year, especially from XXXX of this year, there are many unrecognized credit inquiries appearing on my credit report. I suspect that my ID have been stolen in a grand scale. How, who, and where could I find the right help to resolve this issue and prevent further ID theft crime? Thank you very much

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 2017-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank charged me interest of {$0.00} on a balance of {$0.00} XXXX XXXX/XXXX/XXXX statement ). This is a monthly rate of interest of 100 % XXXX 1,200 % annually XXXX. This was the " minimum interest charge '' they claim they are allowed to charge, but this should be illegal.

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 2017-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX/XXXX/XXXX, I went to the Texas state fair and talked to a representative of XXXX Firm about the promotional display they had. He asked if he could run my credit to see what types of product I qualified for which I agreed to, but he never asked if I wanted a credit card, and the form I filled out was not an application for a card, just authorization to pull my credit. I ended up not purchasing a mattress, and thought that was the end of it. 
On XXXX/XXXX/XXXX, I received a credit card with a {$14000.00} limit from Synchrony Bank, that could be used with a few select vendors, including XXXX Firm. On XXXX/XXXX/XXXX I called Synchrony bank, and they advised they could close the account, but that they would not be able to respond to my complaint about the fraudulent opening of the account, and that they could not remove any credit reporting impact caused by opening and closing account in a short period of time. 
I need assistance in getting this off my record, and some action taken against XXXX XXXX Bank for the deceitful and railroading practices they employ in extending credit.

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 2017-10-28 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: IL

Complaint narrative:
I recieved a letter on XXXX XXXX of an address change on a closed account on my Walmart mastercard. I never authorized an address change this is not a " account take over '' it is identity theft. I have always lived in Illinois not Kansas. This account should be closed due to fraud transactions on the account and identity theft. The customer service team should never have issued an address change without my knowledge. I paid on the account what I owe and I want all fees and interest and the account a XXXX balance due to the customer service departments incompetence and breach of my account information.You have no security about protecting someone 's account. I will notify all federal agencies of consumer fraud and not updating any fraud on my account. This never should have happened at all again I never requested a address change, it is theft and this Synchrony XXXX has allowed it to happen and nothing done about it. The entire account is fraud now and the bank is responsible and needs to fix my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a 30-day late payment for XX/XX/XXXX on my XXXX XXXX XXXX car loan account. 

On XX/XX/XXXX, I wrote a letter ( copy attached ) to XXXX XXXX services and sent it to the following address : TOYOTA FINANCIAL SERVICES ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XX/XX/XXXX I made several attempts to make a payment online and the Toyota/XXXX payment system was down. Also around XX/XX/XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or Toyota notifying me that the payment was due. I asked XXXX to remove the XX/XX/XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XX/XX/XXXX, XXXX XXXX Services responded with a generic letter ( copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX Services ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX I opened a loan under loan ID : XXXX I made all my payments on time and about a month ago I got a message that I qualified for a new loan. I went online to apply and I was declined, then I received a letter stating I was declined because I had a current loan. 
If this is the case, I should not have been told I qualified yet to re-apply. On XXXX the XX/XX/XXXX I called to pay of my current loan early, at that time I was told if I pay it off over the phone and want a new loan, I will have to wait 7 days. I was okay with that.
However, now I am being told I have to wait 90 days because I applied and declined, but that was because I was told I qualified right then. If I had known, I had to wait 90 days I would have just let the payments continue instead of paying it off early.
I feel this is mis-information that now cost me a chance to get a new loan. I like the rates and company so I really wanted to get and can use another loan to help with bills. I just do n't understand why they told me I qualified when I did not and now because of that,
I am being told to wait 90 days after I was told 7 on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Reimbursement check # XXXX ( XXXX XXXX  XXXX/XXXX/XXXX XXXX Member # XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX/XXXX/XXXX - Supervisor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX/XXXX/XXXX at XXXX a.m. I and my XXXX yr old mother tried to deposit a XXXX XXXX XXXX check for XXXX} to Chase Bank. She at the time had over XXXX in the checking account and we wanted to get some cash but were told the check was no good and they stamped on the back of this check " XXXX XXXX '' JPMorgan Chase Bank. This branch is in XXXX at XXXX XXXX XXXX XXXX. We had made a special trip to the bank which made this very frustrating. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have a Walmart Credit Card account which had a balance of {$550.00} I have paid this account on time and can prove it. My most recent payment was one day late, my payment was due on XX/XX/XXXX and I paid it on XX/XX/XXXX and was charged a late fee of {$35.00}. I am personally in the process of obtaining a mortgage so there are inquiries that reflect that on my report. I spoke with a credit rep at Synchrony XXXX and they told me that my credit amount on my card was due to a negative credit check. My credit actually increased, so that was a lie. It looks to me that Walmart saw that I was applying for something and since my credit utilization had decreased with the card, they lowered my credit on the card which actually increases my credit utilization and basically lowers my credit score which could hurt me with obtaining a mortgage. I am an XXXX American woman who is hard working daily and me and my family are working hard to obtain the dream of home ownership and should not be stopped by big corporations like Walmart and Synchrony.

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 2017-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
I 'm a victim of identity theft someone got hold of my information and try to opened up accounts in my name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a complaint with CFPB # XXXX because Equifax 's website is unavailable, and you ca n't speak to someone on the phone. I just received an email from CFPB saying the company has responded and the complaint is closed. Nothing could be further from the truth. We have heard nothing from Equifax, still ca n't speak to someone there and have had no communication from Equifax. 

How can this be? What good is making a complaint if this is how CFPB handles it? 
WE are both very displeased and I 'm now making a complaint against CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
American Express offered a Delta Gold Card with an  offer for {$150.00} Credit Statement and Free Sky Miles after purchases. When I contacted them today ( just received card ) for confirming the credit offer, they claimed they can not provide the bonus ( es ) since I have had this card before. I told them and include here the Terms and Conditions for the offer which is unclear on the basis for making the offer unavailable : " Welcome bonus offer not available to applicants who have or have had this product. 
If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome bonus offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain a welcome bonus offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit the welcome bonus to, we may freeze the welcome bonus credited to, or we may take away the welcome bonus from your account. We may also cancel this Card account and other Card accounts you may have with us. '' The complaint is that the offer is duplicitous - their offer information is contradictory ( they claim their offer materials on the web site exclude the bonus ( es ) if the card was previously owned. The T & C only discusses withdrawal of offer in the event of " abuse, misuse, or gaming ''. Clearly not the case here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
Reported : XXXX XXXX, XXXX XXXX : {$8100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
incorrect amounts on accounts.Accounts over XXXX years still on credit report, inquires wrong incorrect

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 2017-10-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX I request for my credit report and after receiving it I saw collections XXXX XXXX asset, medical data system, and XXXX XXXX XXXX XXXX my report I had no idea who they were, so I start sending out letters to Experian XXXX XXXX, and XXXX XXXX On XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, i sent certified letters and after a week i was getting emails stating that they verified that the account was mine but not once did they send me any document showing where my signature was on any document. I know that they did n't have the proof because the other two agencies took them off and had they prove it to them they would not have remove them as I requested. I was wondering how in less than 5 days that you verified to Experian but not the other two. I also sent a letter to the agency asking for debt validation and have not received anything from them but they continue reporting these items on my report. I have ask Experian who did they verify this with and what document they had with my signature on it and all I get is that it was verified and to send me a copy. If they can complete the investigation within 5 days why have n't gotten the document sent to me

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 2017-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
This account was placed on my credit report without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
On Friday XXXX/XXXX/XXXX I was in receipt of a phone message alllegedly from XXXX stating that needed to call a phone number XXXX to discuss a debt that I do not have nor was any other information given about any so called debt I might have. 

I believe this was an attempt to coerce me into giving private information to sources that use such information illegally. 

My concern is that such organizations give false information out and this gets picked up by credit agencies and create false reports hat cause me to be denied emplyment or creatre false reports tha tlower ratings in other areas. 

AT NO TIME WAS ANY DOCUMENTS EVER PROVIDED SUCH AS A BILL OR OTHER REPORT INDICATING THAT I OWED ANYONE ANYTHING IN THIS MATTER

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 2017-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a XXXX late payment for XXXX XXXX on my XXXX XXXX XXXX car loan account. 

On XXXX XXXX, XXXX, I wrote a letter ( copy attached ) to XXXX XXXX XXXX and sent it to the following address : XXXX XXXX SERVICES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XXXX XXXX I made several attempts to make a payment online and the TXXXX payment system was down. Also around XXXX XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or XXXX notifying me that the payment was due. I asked XXXX to remove the XXXX XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded with a generic letter XXXX copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX XXXX ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect 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 2017-10-28 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:
On XXXX XXXX, XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a XXXX late payment for XXXX XXXX on my XXXX XXXX XXXX car loan account. 

On XXXX XXXX, XXXX, I wrote a letter ( copy attached ) to XXXX XXXX XXXX and sent it to the following address : XXXX XXXX SERVICES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XXXX XXXX I made several attempts to make a payment online and the XXXX payment system was down. Also around XXXX XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or XXXX notifying me that the payment was due. I asked XXXX to remove the XXXX XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded with a generic letter XXXX copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX XXXX ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.

Company response to consumer: Closed with explanation