vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from family support division on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully metro 2 compliant and current, true, correct.completely timely, mine, of my responsibility or else  mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.

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 2017-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: CARD Corporation
State: FL

Complaint narrative:
On Tuesday XX/XX/XXXX, my wallet was stolen from work, so I call Card.com to cancel my card as well as order a new one. It offered me the option of overnight 1 business day mailing for {$29.00}. However, after calling today I was told that I would not be receiving my card until Tuesday XX/XX/XXXX, which is unacceptable. They took my money based on the perception of a next business day delivery. I even called back and recorded the IVR given this deceptive information. I would like them to be accountable for the promises they make and return my money as they did not provide the service expected. I spoke with a supervisor by the name of XXXX with employee number XXXX, he stated that they never offered overnight service and my card had been sent XXXX using 3 day mail, although their IVR states differently. This is an unfair business practice and they need to be called out on it. Complaint is against Card.com thier customer service contact is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied and was approved for CitiBusiness AAdvantage Platinum Select credit card on XXXX XXXX XXXX. As the part of the new account, I was supposed to receive XXXX bonus miles after spending {$3000.00} in 3 months after account opening. 

Terms said that business does not qualify for bonus miles if a CitiBusiness AAdvantage account has been opened or closed in last 24 months. I have attached the screen shot of the application and its terms. I HAVE NOT opened or closed a CitiBusiness AAdvantage credit card in last 24 months but representatives that I spoke with over the phone and via email keep suggesting that I do n't qualify for the bonus because I have opened or closed CitiBusiness AAdvantage credit card in last 24 months. I have repeatedly told them that I have not opened and closed a business credit card in last 24 months. On my last phone call I spoke to the supervisor XXXX XXXX XXXX ) and she told me that I am not going to get the bonus for the CitiBusiness AAdvantage credit card because I recently opened a personal credit card. 

That is absolutely false advertising when terms of credit card clearly state that I can not have opened or closed a business credit card with no mention of personal card. Supervisor XXXX proceeded to tell me that I do n't know what the terms say but Citi does not issue bonus miles for Business Card if you have even opened a personal credit card. This is grossly unfair and fraudulent advertising of trying to falsely get consumer to open new accounts and then not honor the terms of the bonus even when consumer has done everything expected under the terms of account opening.

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 2017-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AAA Collections
State: NJ

Complaint narrative:
on XXXX/XXXX/XXXX XXXX from XXXX XXXX XXXX contacted my employer and then contacted me on my cell phone to adivse me of an out standing debt owed to a XXXX XXXX i adivsed him im having problems with my insurance carriers and he threatned to get XXXX lawyer to sue me, he also stated if i dont pay he was going to report me to all of the credit bureaus. i went on to to advise him that i was tryin to work with my insureance and HR department to rectify the issue, he stated he is still going to contact a lawyer phone number was XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander consumer USA claims I owe them money for a vehicle they repossed and sold and claimed I did n't owe anything. Then I started receiving harassing calls and letters stating I owed fees and surcharges. I have contacted them and even offered to pay the money I do n't owe if they promise to remove the information from my credit and they refuse to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: GA

Complaint narrative:
On My Equifax credit report My loans are listed as closed as of XXXX XXXX 2017, however I tried to secure a personal loan at my bank. Half of the loans had a XXXX balance the other half still had the dollar amount listed. Even though they were closed my bank refused the loan, my question is why do half of them still list an amount as owed? I applied for XXXX and was awarded it ( that 's the reason they were forgiven ) please contact me at XXXX with any advice you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Brown and Joseph, Ltd
State: IL

Complaint narrative:
On XX/XX/17 I was contacted by XXXX XXXX from the company Brown & Joseph , Ltd. located in XXXX, IL, threatening me to pay a debt that I did n't even know I had and taking my case to a court room. He was demanding me to pay over thousand dollar in workers compensation policy that I never had because I decided for another company. 
He also said he was going to talk to me in XXXX as I did n't understand English.. I am not a XXXX speaking person and I speak English. He finally sent me an email saying It was better to pay the amount before XXXX Central Time, or the case would go worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My mortgage company has in has my escrow and their reason is that they think i we are going to default on our mortgage. They will not refund our money because they might need money for repairs. They refused refund the money or decrease the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: MI

Complaint narrative:
I called TransUnion XX/XX/XXXX, to investigate and remove the following inquiries XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX they refuse when were very disrespectful

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 2017-08-31 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: MO

Complaint narrative:
After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from XXXX XXXX XXXX on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully metro 2 compliant and current, true, correct.completely timely, mine, of my responsibility or else mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: MO

Complaint narrative:
After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from family support division on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX   verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully XXXX XXXX compliant and current, true, correct.completely timely, mine, of my responsibility or else mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.

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 2017-08-31 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX mos. ago, I had looked at my Experian credit report and found, along with the other XXXX major reporting agencies, that someone had been putting bogus and illegal and fraudulent info. on my report. I tried to dispute this with all XXXX credit reporting companies and they not only would not remove all the wrong info., what they did remove is now back on and they will not allow me access anymore. I found out by Experian sending me an updated report the other day. Why are you not correcting this fraud that the credit reporting companies do? Why are they not getting consequences for their actions and ineptitude? Why do they allow anyone more access and changing ability to MY name and report than I have, or am able to do with MY report and name? I can file a suit with the courts myself, but why should I have to? Come on ... ... .make the laws work an stick like you 're supposed to!!!

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 2017-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello! I am being charged numerous late fees and interest on a card I no longer use. It 's a Chase Freedom Ink card. I had not received any notice that there was an amount due. I have been a loyal long time customer of Chase and I called to have some of the fees waived to make this more manageable. It 's unfair to charge a person late fees when they were n't aware of a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX received a letter from XXXX XXXX XXXX stating that I have a loan with them and to summit a payment but there is not payment amount or loan amount. I contact and spoke with XXXX I give her the account number XXXX and I told her that I never open this account. I ask her when this acct. was open she said that was open and XX/XX/XXXX but she wo n't give me the loan amount or information. She also told to send a letter to XXXX XXXX XXXX XXXX to dispute the account because was due to Identity theft. Today XX/XX/XXXX I called golden valley and spoke with XXXX and explain what happened he verify the account of total of {$1200.00} I told him that was not me, the person that open that account and needed to dispute all charges because he wo n't give me any information of that person that open the acct. 
I called XXXX to verify my report and they said that XXXX XXXX XXXX summit 2 inquiries. Also Today XX/XX/XXXX XXXX XXXX XXXX XXXX   called to collect the debt. I told him that my that spoke with him in the morning and told him that my identity was stolen and already file a police report and he said collections will continue and hang up.

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 2017-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: WA

Complaint narrative:
My home was sold in XXXX 2017 after divorce and the proceeds were divided. There was a remaining balance of {$1100.00} in the escrow account with Franklin American Mortgage Company that was supposed to be refunded. When the check arrived, mailed X/X/17, it was written in both my name and the co-borrowers. I contacted the mortgage company to request that the escrow refund be split evenly and sent to each borrower separately, as this was how the proceeds from the home sale were divided in court orders. The customer service representative refused to help me. I explained that we no longer have a joint account, as we were divorced. I also explained that we are not in contact, as there were XXXX XXXX issues with the co-borrower. She told me I would need to figure it out, that the check had to be sent out to both of us as one unit and would not connect me with anyone who could help. I have a useless check, and FAMC has the money.

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 2017-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I took out a Payday installment loan with Check N Go. I have paid them in full but they have harrassed me for more than the original loan called for the last 2 months. 
They have now sold the loan to a debt collector who is now trying to collect on a debt that has been paid in full. 

Please help, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
Early Warning Systems stated I was in their database due to an account with BBVA. I have never had an account with BBVA and I have contacted them to inform them of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
XXXX XXXX XXXX stated I was in their database due to an account with XXXX. I have never had an account with XXXX and I have contacted them to inform them of such.

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 2017-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SKO Brenner American, Inc.
State: FL

Complaint narrative:
I received a collection letter from SKO Brenner American , Inc. stating that I owed {$700.00}. In their letter, they did not identify who they were attempting to collect for nor did they identify any product or service that was supposedly rendered. I do not have any outstanding debt from anyone, so this is either a scam or mistaken identity. Since SKO Brenner American did not identify a vendor or product/service, this appears to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: GA

Complaint narrative:
On My Equifax credit report My loans are listed as closed as of XXXX XXXX 2017, however I tried to secure a personal loan at my bank. Half of the loans had a XXXX balance the other half still had the dollar amount listed. Even though they were closed my bank refused the loan, my question is why do half of them still list an amount as owed? I applied for XXXX and was awarded it ( that 's the reason they were forgiven ) please contact me at XXXXXXXXXXXX with any advice you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was told by XXXX that my employers was changed to XXXX. There are other companies that I never heard of. I have never worked for any other companies other than XXXX XXXX in XX/XX/XXXX. XXXX XXXX in XX/XX/XXXX, XXXX 's XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX TN. I once reported my addresses as XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TN XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX,XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX TN,XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX. XXXX XXXX XXXX XXXX XXXX TN XXXX. The courts used XXXX XXXX XXXX. I filed bankruptcy in XX/XX/XXXX, the case number is XXXX. I notice XXXX XXXX XXXX was due to be removed XX/XX/XXXX. Even though the property at XXXX XXXX XXXX was foreclosed on. And is suppose to remain on your credit report for seven ten years after filing a chapter XXXX bankruptcy. The date was changed to reflect the date of purchase to XX/XX/XXXX. My original loan was with XXXX XXXX XXXX. The loan was transferred on XX/XX/XXXX to XXXX XXXX XXXX XXXX. I have a copy of my credit report when I filed bankruptcy. The address identification number for XXXX XXXX XXXX is XXXX. The last transaction reported to XXXX  was XX/XX/XXXX. XXXX listed all payments made to XXXX XXXX XXXX  XXXX, the date of the payments, the amounts from XX/XX/XXXX-XX/XX/XXXX. The property was sold in XX/XX/XXXX to Tennessee Housing Development Agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. The register of deeds Instrument number is XXXX. The property was sold on XX/XX/XXXX in the amount of {$18000.00}. The instrument number in the XXXX County Register office is 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 non-monetary relief