vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I placed a security freeze on my account with all 3 bureaus last year. XXXX and XXXX had no issues placing and removing as the process is very much streamlined. 
I had to call Experian to add freeze, I was told that I would be sent a pin via mail when I asked over the phone they said they can't give me that and I have to wait for it. Never received it. 
Now I need to remove the freeze to allow a lender to pull my credit because I'm applying for a mortgage. I can't get through to a human through Experian 's phone system or web. I tried every customer service number I can find and even called a local number that I found on the web for a XXXX office. No matter what option I choose I always get sent to the automated system that asks me to mail confidential documents to a PO box . 
This is really abuse of priviledge, what authority do these people have to collect my information, charge me for not giving out my information and now they won't allow me to access that information when I need to access it. I will never ever deal with Experian to use any of their services again as I learned my lesson,

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 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX and had it discharged in XX/XX/XXXX. The debt trying to be collected was from XX/XX/XXXX and included in my bankruptcy. I have mailed a certified letter to the company with proof and even disputed with XXXX and nothing is being removed. I am asking for help to remove this item. 

Company reporting it is : VIRTUOSO SOURCING GROUP Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Report Number XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MS

Complaint narrative:
Beginning XX/XX/XXXX I began to request that XXXX XXXX   provide me the original contract of the student loan agreement, because the amount that is recorded as the balance due on this account is inaccurate and not mine. Therefore, I requested to verify the debt because according to my records, my total amount owed is {$3500.00} that was transferred from other lenders to consolidate around XXXX of XXXX. I have attached a copy of my credit report posting this accurate balance. 

I also requested the original contracted that I physically signed, however XXXX sent an electronic signature with a name that is spelled similar to my name, but is not my name ( SSN Card Attached ) and did not provide competent evidence bearing my signature ( see social security card attached ). This information is unverifiable and inaccurate. The balance incorrect, and is stating an amount that is higher than I owe. I also, contested late payments that were posting on the account due to the fact that it was placed in forbearance until this investigation was to be resolved. The itemized printout that they sent me was wrong, and as a result of other inaccurate dealings with my credit, I had to file identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have recently credit my credit file. I have noticed several collections accounts on my file that is no accurate and should not be on my report. It also show a dismissal is a bankruptcy that should have not been there due to that it not mine. I have contacted the bureau of several attempts and have gotten no results. My next step will be to contact an attorney due to the history of these accounts hurting my credit. These accounts are stopping me from providing for my family.

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 2018-03-23 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: GA

Complaint narrative:
I have recently credit my credit file. I have noticed several collections accounts on my file that is no accurate and should not be on my report. It also show a dismissal is a bankruptcy that should have not been there due to that it not mine. I have contacted the bureau of several attempts and have gotten no results. My next step will be to contact an attorney due to the history of these accounts hurting my credit. These accounts are stopping me from providing for my family.

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 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
My mortgage was sold to Freedom Mortgage company. In the course of less than 6 months, Freedom Mortgage company has repeatedly mismanaged my escrow account which has lead to 1 ) a shortage in my escrow account to cover home property taxes 2 ) an inaccurate escrow evaluation on XX/XX/XXXX in spite of accurate state tax information that is available online and that I also provided via fax on XX/XX/XXXX, and 3 ) refusal to correct the inaccurate escrow evaluation in a timely manner and communicate changes to me. 
I have made multiple phone calls to Customer Service both before and after requesting an escrow evaluation be completed on XX/XX/XXXX. During that call, I was told I had to provide my property tax information, which I did on XX/XX/XXXX and received an email stating that it may take up to 30 days to address my questions. No correspondence was received within that timeframe. I called Customer Service again on XX/XX/XXXX and requested an escalation of my request. I was told that I would receive an updated escrow analysis by early XX/XX/XXXX, which would be in effect for the XX/XX/XXXX payment. On XX/XX/XXXX, I logged into my account online to pay the mortgage due by XX/XX/XXXX and found an amount due that was greater than the amount on my XX/XX/XXXX statement. I made a call to Customer Service, who told me that there was an escrow analysis completed on XX/XX/XXXX and that the payment would be in effect for XX/XX/XXXX. I pointed out to her that this was in direct conflict with what I was told when I called on XX/XX/XXXX, and that no updated document was posted online nor mailed to me. 
This company has failed repeatedly to handle my escrow account appropriately or communicate changes. Their incompetence has caused me to spend multiple hours on the phone with Customer Service while my escrow account continues to be under-funded and mismanaged. How can I as a consumer request a change to my mortgage lender? I would never, ever, choose this company for any service.

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 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: LA

Complaint narrative:
I started monitoring my credit using XXXX in XX/XX/XXXX. Upon checking my credit report, XXXX and XXXX   credit bureaus listed XXXX XXXX XXXX as collections. I have never had any dealing with this company. I did not sign any contracts with this company. I requested on several occasions that they validate the account in which they are attempting to collect the debt by certified mail. My last attempt was on XX/XX/XXXX. I also made several attempts writing to XXXX and XXXX by certified mail that this is not my debt. Both credit bureaus reported back validated. This is impossible because XXXX XXXX XXXX could not supply them with any validations. This company states that I owe them {$470.00} and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information from my credit report, as it is wrong. This is proven to be injurious to my credit standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I contacted Capital one card services on XX/XX/18 and they offered me a program that would lower my interest to 7.4 % and a monthly payment of {$160.00} to lower my balance of {$8100.00} to XXXX in XXXX years. I told them that I would have to think over terms and call back. The rep. XXXX said that I would have to reanswer some questions when I call back to be approved for the program if I decided to enroll. I call back some hours later and spoke to a number of representatives including an account escalation mgr. who said that I could not enroll in the program even though I was offered it earlier. 

I was frustrated already because I have called Capital one for several months explaining my financial hardship, and asking for different payment options or to change my due date to align with my pay to ensure that I don't fall further delinquent and assess more fees. Every time they would say there was no other options available which puzzled me because I have had the same circumstances but they were able to offer me on XX/XX/18 a special program to lower my balance. 

I think they are eluding consumers and doing a bait and switch tactic which is very cruel, inhumane and psychologically damaging to especially someone who is experiencing a financial hardship. 

I've had the card for seven years and had many credit line increases and paid on time, now the minute I'm experiencing difficulty they behave in such an unethical manner. It is unfair and discriminatory. 

I decided to close the card and requesting that they refund fees and interest on my card. I plan on paying it off sooner than later

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I received a bill from a third party collector, XXXX XXXX XXXX for XXXX XXXX on XX/XX/18. I sent a letter of validation the same day and to date, they have not responded. I have disputed this as well with the credit bureau to request that it is removed.

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 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc
State: OR

Complaint narrative:
I OWE NO MONEY TO ANYONE!!!!! I'VE PUT IN COMPLAINTS BEFORE BUT THEY KEEP CALLING!!!!! STOP STOP STOP OR I'M GOING TO SUE THE PANTS OFF THIS COMPANY, NORTHLAND!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 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: FACTUAL DATA CORP.
State: IL

Complaint narrative:
Factual data has a lot of innacurate information reporting codes for collections that don't even match my information this report is from XXXX XXXX no XXXX XXXX XXXX or XXXX XXXX or a XXXX XXXX judgements that do not even belong to me .they keep altering my identity my name is XXXX XXXX maiden name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Membership ends in XXXX XXXX, however, rewards cash is not available until XXXX of 2019. If I do not renew my XXXX membership I must forfeit my rewards cash earned. Due to the timing, this creates an Unfair practice ( and potential deceptive, due to the placement of the disclosure ). Material harm is that I am not able to access reward dollars I have earned.

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 2018-03-23 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: CA

Complaint narrative:
To Whom it may concern, Name : XXXX XXXX XXXX ; Account ending : XXXX My name is XXXX XXXX XXXX and I understand that I have completed the requirement for the promotion, to receive XXXX points as it was advertised on the XXXX bank website. I did apply and was approved and I did spend {$XXXX} to full fill the terms of the bonus points but instead I got only XXXX. When I contacted customer service they demanded provide them with direct solicitation mail. I believe if city advertising XXXX points online they should be able to track customers who have applied online following their add. 

I am asking Consumer Financial protection agency to investigate this incident which sounds like a false advertisement. I am asking XXXX XXXX to honor their promise and honor XXXX bonus points. 

Thank you for your time, XXXX 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 non-monetary relief
Consumer complaint received 2018-03-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank Closed my credit card and I disputed it without any valid reasons. My husband joined a XXXX XXXX XXXX to help him and they chose to cancel anyway. I disputed for 2 years. I gave up and then Citibank sent my account into collection with a company called XXXX XXXX XXXX XXXX acct # XXXX at XXXX XXXX XXXX TX XXXX. 
I have been paying my Citibank CC that is closed with auto payment from my Citibank Checking account I have had for 19 years. I have never missed a payment nor been late they have been pulling the payments out each month. Citibank reported that I did not make my payments in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They then reported my account as a charge off since they have been reporting my account was not paid. The result of these late reporting, failure to pay and charge offs have caused my credit report score to reduce by over 100 pts. 
I contacted Citibank, XXXX XXXX by phone, mail and fax numerous times. 
I contacted XXXX XXXX as Citibank would not speak with me to get a resolution. I asked about settlement because I wanted to purchase a home. XXXX XXXX failed to tell me if I did that it would impact my credit report negatively. I made a {$830.00} payment directly to XXXX XXXX  and still continued my monthly payment. I contacted my real estate agent to get advise about what XXXX XXXX told me and she advised me not to do so I contacted XXXX same day and told him I did not want to settle that I would continue making payments. He said okay no problem but advised me incorrectly and said there was nothing he could do. 
Citibank sent me this letter I will attach on XX/XX/XXXX stating information I sent was wrong. The payment history from my bank account I will attach.

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 2018-03-23 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: IL

Complaint narrative:
XXXX XXXX has a lot of innacurate information reporting codes for collections that don't even match my information this report is from XXXX XXXX no XXXX XXXX XXXX or XXXX XXXX or a XXXX XXXX judgements that do not even belong to me .they keep altering my identity my name is XXXX XXXX maiden name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: LEXISNEXIS
State: IL

Complaint narrative:
Factual data has a lot of innacurate information reporting codes for collections that don't even match my information this report is from XXXX XXXX no XXXX XXXX XXXX or XXXX XXXX or a XXXX XXXX judgements that do not even belong to me .they keep altering my identity my name is XXXX XXXX XXXX name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom it may XXXXoncern, Name : XXXX XXXX XXXX ; Credit Card number : XXXX My name is XXXX XXXX XXXX and I understand that I have completed the requirement for the promotion, to receive XXXX Delta Skymiles as it was advertised on the American Express website. I did apply and was approved and I did spend {$3000.00} to full fill the terms of the bonus points but instead I got only XXXX Delta skymiles. When I contacted customer service they demanded provide them with direct solicitation mail. I believe if city advertising XXXX XXXX Skymiles online they should be able to track customers who have applied online following their add. 

I am asking Consumer Financial protection agency to investigate this incident which sounds like a false advertisement. I am asking American Express to honor their promise and honor XXXX XXXX Delta Skymiles. Please see below what American express had regarding their bonus offer : XXXX SkyMiles after spending {$2000.00} in three months, {$XXXX} statement credit after first XXXX purchase in the first three months. Plus, earn an additional XXXX bonus miles after spending an additional {$XXXX} in the first six months. 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
i paid my lease in full and Ally Financial is reporting a voluntary repossession on my credit. this has damaged my credit score.

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 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc.
State: MN

Complaint narrative:
I phoned XXXX XXXX XXXX on XX/XX/XXXX to dispute the " adverse '' information they provided to my potential employer, XXXX on XX/XX/XXXX. I was told by XXXX they would only check back 10 years, XXXX went back to XXXX, they then reported to XXXX that there was adverse information from the MN XXXX 's office. When I told XXXX  that I contacted the XXXX 's office and was told that there were no open studies on me nor was I disqualifed, the person I spoke to told me that XXXX asked for any disciplinary action ever taken against me to be added to the report even though it was outside the 10 year time line and irrelevant to the job I was applying for. The disciplinary action happened when I worked as a registered nurse, I have not worked as a nurse since 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 2018-03-23 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
On XX/XX/2018 I sent a validation letter to portfolio recovery about an account they have listed on my credit report. This was to include a valid ink signature not a copy of a copy or a copy of a statement. They only have sent me a statement and said it was valid. They refused to adequately validate the account and refused to remove it from my credit report. On XX/XX/18 I received yet again another letter from them stating it was valid with a copy of a copy of a statement. This item needs to be removed as they can not legally validate the account they are trying to keep on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
On or about XX/XX/18, I received a call from XXXX requesting payment for an outstanding bill for XXXX XXXX. He was calling from a collection agency called XXXX. I advised I was not aware of an amount that was owed. He stated the amount was {$XXXX}. 
On XX/XX/18 I sent a letter to XXXX to request that they send a bill and/or paperwork so that I can confirm any information and/or personal information. 
I did not receive a response. On XX/XX/18, I sent a letter to the credit bureau to request that this be taken off of my report. I received my report and found that this was not reported. 
On XX/XX/18, I received a bill from XXXX XXXX for XXXX XXXX. Now the amount is {$XXXX}. I am going to send a letter of validation.

Company response to consumer: Closed with non-monetary relief