vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-25 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: SC

Complaint narrative:
I made a call to Experian as well as faxed them inquiries that needed to be deleted due to Fraud. They were not deleted and it has been over 45 days since the requests have been made. Please see the attachment which I have done over that needs to be removed from my account immediately. I am closing on my home soon and this needed to be addressed. 

DO NOT PLACE A FRAUD ALERT ON MY CREDIT REPORT AT ALL. 

Remove XXXX XXXX XXXX AND 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 2018-11-25 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Ok so I am a victim of identity theft and I had went online numerous times tonight to try to access my free credit report but every time I put in my email and username it would display a error message stating they did not have anyone by that username and or email address and I tried resetting my email password that failed as well. So I called equifax ( or  so I thought I was speaking to a customer service representative at equifax but she kept telling me my information was not matching up and she kept asking me the same question about student loan balance well a red flag went off right there ; ok so she had told me to write a cover letter and explain that I am sending in all of this information just to confirm my identity. She gave me the phone numbers to XXXX & XXXX. I called XXXX and was being harassed about giving him my credit card information and paying a $ XXXX/a month fee for a $ XXXX/ gift card. Well he abruptly hung up on me and gave me XXXX before he hung up. I called XXXX to reach XXXX they both have my social security number ok and I am already a victim of identity theft. My ssi number is XXXX my dob is XX/XX/XXXX. My cell # is XXXX. I am requesting credit reports from all 3 of the credit bureaus because I am a. I tin of identity theft due to XXXX XXXX and my own family members have been committing cyber crimes by allowing hundreds of people have access to my camera my text messages. I have been XXXX XXXX. I have been XXXX XXXX and so much more

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
they have 2 amts XXXX each

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: Westlake Services, LLC
State: NC

Complaint narrative:
I received info from XXXX stating that the information on my credit report is accurate from Westlake Financial services, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
The American Express company is communicating very threatening and harassing on Saturdays, Sundays and weekdays. I know I owe money and I'm paying but that type of calls is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX

Complaint narrative:
I have recently filed with the FTC and CFPB that I am a victim of identity-theft and submitted police reports, FTC Affidavit and CFPB Victim 's Complaint documents attesting to the fact. 
I just updated my credit report on XX/XX/2018 and have found a new collection account has been entered on my XXXX credit file from " XXXX XXXX '' representing " XXXX XXXX '' for an amount of {$880.00}. I have never applied or given XXXX XXXX authority to grant any services in my name.

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 2018-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
I am having an issue with a debt being reported to my Consumer credit file by XXXX XXXX on behalf of XXXX XXXX The bill shows an unpaid amount of {$2700.00} dollars and this is grossly inaccurate. I have repeatedly asked XXXX for an itemized listing and documentation in regards to this account and amount. XXXX has not been forthcoming with the information requested. XXXX can not find my file with my information, SSN or other identifiers. 
XXXX XXXX has not complied with my request to verify and validate the manner in which they have concluded that I owe an amount that XXXX can not verify. 

I am asking the CFPB to intercede on my behalf. The collection account is reported illegally and unethically and I am asking for it to be investigated and removed from my consumer credit files.

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 2018-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received info from XXXX stating that the information on my credit report is accurate from XXXX XXXX XXXX, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.

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 2018-11-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I received info from Equifax stating that the information on my credit report is accurate from XXXX XXXX XXXX, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: NC

Complaint narrative:
I received info from XXXX stating that the information on my credit report is accurate from XXXX XXXX XXXX, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.

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 2018-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello CFPB, I had opened a checking account with Citibank in XX/XX/2018, noting the promotional code XXXX where they would credit my account {$400.00} after depositing {$15000.00} for 60 days. I had made the {$15000.00} deposit XX/XX/2018 but it is now XX/XX/2018 and I have not yet received the {$400.00} bonus. I have been working with Citi over the phone and over chat messages and they keep letting me know that they are looking into the issue and that I should be receiving the bonus soon, but I have not yet received it after months of waiting. Could you please investigate this issue for me? 

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 2018-11-25 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: Profit Services Group
State: GA

Complaint narrative:
Upon reading my personal credit reports ( XXXX, XXXX, XXXX ), I noticed an entry from Profit Services Group ( XXXX XXXX XXXX ) account # XXXX. This collection account is the only negative entry listed on my credit reports and it has severely damaged my credit score. I spoke with a representative with Profit Services initially in the month of XXXX regarding this information because I was completely unaware that I had an unresolved medical debt with any medical institution. Since I was not sure about the details of the amount, the time, and the location of where this debt had occurred I asked the representative to please provide me with an itemized bill or statement from this medical institution. The representative stated that " Profit Services is not legally obligated to provide consumers with ANY statements, bills or form of validation ( even if the consumer has requested for their personal review or to compare with insurance information ). This claim by the representative seems very suspicious, considering that it is supposedly " my '' debt and they requesting me to hand over my money without personal review. I have called Profit Service a second time and I was informed that I would be receiving a copy and that it would be mailed to my current address. .I have not received that documentation as of yet.

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 2018-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
On XX/XX/2018 I opened a checking account with Citibank. It was funded XX/XX/2018. On XX/XX/2018 my corresponding Savings account was funded. The terms of the offer were to open a new checking and savings account package between XXXX and to deposit {$15000.00} new-to-Citibank funds into either of them with a minimum of {$1500.00} in checking. Funds must be maintain a minimum balance of {$15000.00} for 60 days. Get {$400.00} deposited into your account. According to everyone I've spoken to at Citibank ( reference XXXX ), I qualify. I met all criteria on XX/XX/2018 and 90 days waiting for the bonus would put me at XX/XX/2018. I called then, and I was told I'd receive it at the end of the month. I called on XX/XX/2018 and was told 5-7 days more. I called XX/XX/2018 and was told 1-2 business days. It's now XX/XX/XXXX and I still haven't received it. Please help, I'd just like to receive what was promised.

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 2018-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I ordered a credit score from Trans Union on XX/XX/18, there is a button on the website home page that says Get Your Credit Score, after clicking and going through the process to purchase my credit score, there are no final order detail page. I learned after the purchase, Trans Union charged me XXXX for a subscription service which I did not order knowingly. I was unable to resolve the issue contacting the customer support. This is compete deception and consumer fraud through misleading website order process.

The Trans union website says : The price for a TransUnion XXXX   online is {$9.00}, or {$9.00} for a hard copy for all states plus the applicable cost of the TransUnion Credit Report. The cost of a TransUnion Credit Report varies based on where you live.

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 2018-11-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
Please can you help with My problem with XXXX XXXX I turned in a lease early I leased the vehicle in XX/XX/XXXX and turned it back in XX/XX/XXXX I had put {$6500.00} down at the time of signing so when I turned the vehicle back in the dealer and XXXX XXXX told me I was in the green with early termination fees. From XX/XX/XXXX to XX/XX/XXXX on all 3 of my credit bureau reports showed XXXX balance for my XXXX XXXX account. In XX/XX/XXXX I hired a company to clean up my credit they disputed my XXXX account and they came back stating on all 3 of my credit bureau reports that I owe {$12000.00}. Then it was disputed again then on all 3 of my bureau reports {$5300.00}. As of today XXXX on all 3 of my reports says I have a past due balance of XXXX Ive talked to over 20 different people at XXXX XXXX   and get no answers they just transfer me from person to person and nobody I talk to has a clue on what is going on they all tell me different prices that I owe. I tried disputing it with all 3 bureaus and get no help with anyone. I do not know what to do I am so very frustrated with this I do not owe them any money and I do have credit reports post to XX/XX/XXXX showing that this account was a XXXX balance I can not even get a car loan because this in on my credit report please help me thank you Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I had signed up with American Express that had incentive for dollars spent that I will get Delta mileage units. After making several expenses using the card, I had accumulated enough points to book tickets for 2 from XXXX to XXXX on Friday XX/XX/XXXX on flights XXXX   XXXX from XXXX to XXXX and flight XXXX XXXX from XXXX to XXXX for 2 passengers. However, due to personal reasons, on XX/XX/XXXX, I went online to cancel my flights, but DELTA will apply {$150.00} for cancellation per ticket which I wasn't notified when I had booked the ticket several months ago. I had called the Delta rep addressing my issue, but in return they didn't take any action to provide excellent customer satisfaction to see how they can help me pay additional fees which I believe I should have not paid since they are my points and why do I need to pay back more money for points to go back in my account. They were not helpful at all and kept stating it was " according to Delta policies '' and I had mentioned about how XXXX doesn't charge for any cancellation they didn't even want to go above and beyond their competitor to retain customer satisfaction. I am very disappointed in Delta as they didn't clearly define their cancellation policies when I had booked the ticket. I found no value add at all talking to their representative as it was like talking to a robot who can't provide that customer excellence. With this event, I plan not to use American Express and Delta at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To sum up what has transpired with myself and Third Federal is I have been making payments just about all on time to them for ten years. About four years ago I filed bankrupcy because I was a single mom and full-time XXXX student. In that time I had always paid my bills to Thhird Federal on time. After the bankrupcy my loan was discharged but I continued to pay because of course I want my house. This has been at least the third time I have received threatening letters from Third Federal as well as them putting a delinquency on my credit report which I have rebuilt. For most of my loan I had paid approximately {$55.00} a month. Apparently after bankrupcy they raised it slightly yet they never informed me. They stated when I called that they are not allowed to send me bills even though I was rerquesting them so I can stay on top of paying them, yet they refused. I paid the outstanding portion I had owed because i was never made aware of the increase. Then about a year later they send me another threatening letter that I am delinquent because of non payment yet I said I have made all my payments. The rep said my loan amount increased and I owed {$220.00} extra, I asked if they could inform me so this does not happen again and they refused. I had made a complaint with you but nothing transpired. I did pay the difference immediately and that was approximately six months ago. Again, I continued to make monthly payments on time which I have enclosed a copy of. Now six months later they send me another threatening notice saying I owe {$450.00} and this letter is a notice of default on my mortgage loan reference # XXXX resulting from my failure to make all monthly installments due as of XX/XX/18. I HAVE made all payments, they continue to reck havoc on my credit and my mortgage, I am trying to rebuild the excellent credit I had had yet they continue to sabatoge it as if to forclose my house and get their money. My loan is approximately {$23000.00} and I had for the most part paid $ XXXX/month, then this year I find out it had gone up to about {$74.00}, the actual amount I am uncertain of whereas they continue to refuse to inform me. I have paid the $ {$220.00} owed plus the $ XXXX   monthly, it is impossible that I could owe {$450.00} in six months when I have made AL, again ALL of my payments. This is harassment and sabotage to my home and welfare. It has got to end. They need to remove that {$450.00} and from now on send a written estimate of my payments and what I owe. They can not continue to send me frivolous bills of outrages sums without any explanation. I can not even go online to review anything, I have no idea what they are doing, what they are charging me or what my interest rate is. I believe if I aim making and have made all my payments for ten years I am entitled to receive a bill, a reason for owing {$450.00}. This is UNACCEPTABLE. They are trying to forclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: VA

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX stating that I required a deposit because of a low XXXX XXXX Score. However, the key factors listed included a " Lack of Open Service/Professional Accounts '' and there is no definition or explanation of this anywhere. It offered me the right to get a free credit report, but this does not explain or provide what accounts listed are actually service or professional accounts.

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 2018-11-25 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
This is regarding an item included in move-out charges from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX when I vacated the property on XX/XX/2015. 

Item in question is a charge for changing the carpet. When I left the apartment, the carpets in all rooms were in a normal condition without any visible damage. I lived in the apartment for one year and there was minimal usage. I contested the charge with XXXX XXXX   and asked them to prove the damage in the court. Instead of contacting me, they hired a collection agency " National Credit Systems , Inc., XXXX. XXXX XXXX, XXXX, GA XXXX '' and reported disputed transaction to all three major credit bureau. I noticed this when my credit report was pulled for a loan. I feel that reporting a disputed transaction to the credit bureaus is against the rules of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation