vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for and obtain several credit and banking accounts. An extended 7 year fraud alert was requested with each of the credit bureaus as a preventative measure however, while checking his credit report he found TransUnion never listed his fraud alert header on the victim statement. When he contacted TransUnion he was advised by an operator that someone was able to call and have the alert removed. Per FCRA guidelines the way an extended 7 fraud alert is supposed to be placed or removed is in writing with proper documentation and PII of the consumer requesting either the placement or the removal of the alert. TransUnion is in violation of FCRA guidelines.

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 2018-06-25 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: IL

Complaint narrative:
Hello, I have a capital one credit card ( Journey-Visa ) which has been closed, due to interest charges being taking out whether the card has been used or not or closed. Hundreds of dollars have been taking by capital on which does not allow the consumer to pay the card off. I have been with capital one for several, several years. I pay {$50.00} to {$60.00} dollars a month on the balance of my card and capital one take at least {$15.00} to {$20.00} a month in interest charges. I have spoken with capital on several occassions regarding why are they taking charges of interest and fee on a closed account. The representative say interest charges are paid on remaining balances and cash advances. I had one cash advance of {$12.00} back in the year of 2012 and they are still charging interest on this amount and the balance of the card. Never, ever have I had another cash advance. This has been going on for years. Such situation traps the consumers from paying their cards off. This is unfair credit card fraud and a scam. Credit card companies are ripping and gauging consumers with such fraud and unfair practices. I have attached just a copy of an example of what Capital One is doing. I make a {$50.00} payment a month, capital one take {$15.00} to {$20.00} in interest and fees. Yes I want everyone to know about this issue with capital one and other fraudulent credit card companies. I will be filing a law suit.

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: VA

Complaint narrative:
I have an identity theft problem with 2 accounts on credit report from XXXX. Policy and IDTheft.gov docs plus other docs submitted in XX/XX/2016. 10 investigations have been opened and closed by Equifax. Other 2 agencies took off report but not Equifax. Now they want new police reports, etc. I am XXXX XXXX and have been given bad number to dial, told to get a lawyer so my wife can have power of attorney, etc. Now XXXX is suing and they haven't provided documents either to me. I have a lawyer. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I started being charged by BoA a monthly maintenance fee without warning. I suspect it's because they changed my account type ( from online to core checking ) without first telling me.

I logged into my account online to try and contact them, to figure out how to contact someone via email since I am abroad. There is a chat section in their " contact us '', but it is a dummy. I.e. supposedly some option have chat available, some do that but in reality none of them have a chat option. It's fake. 

I want to know why I'm charged these fees and have them reversed. I don't know why no one is contactable in a straightforward manner. It's actually frightening to see some of the options that do not have any support provided.

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 2018-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2018 Transunion and XXXX has my credit score dropping over 38 points for transunion and 48 points from XXXX There is no reason for these scores to drop that much within a short period of time Both companies can't give me a reason as to why. My on time payments is excellent my credit card usage is within the guidelines. I have had credit checks done because I bought and new car and I am in the process of buying a new home. I went on the transunion web site and they wanted me to sign up for a XXXX dollar a month monitoring plan. Now this company drops my credit score by 38 points for no apparent reason and then they want me to sign up for their credit monitoring plan please look in to this there is no reason why my credit scores drop that much. My credit score has always been in the mid 800 's now they dropped me from excellent to good and they can ; t explain it. These people have the sole power to impact your buying power XXXX Good TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX Excellent XXXX Updated XX/XX/2018 Calculated using 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 2018-06-25 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: FL

Complaint narrative:
I am having difficulties trying to get some things resolved on my credit report. There are a few things that the bureaus are not investigating otherwise they would have been resolved. When I pulled up my XXXX XXXX they don't even show payment histories. I can not afford to belong to a monitoring site which takes XXXX a month so I have to relay on this site. What they are reporting are accounts which they indicate last payments in the year XXXX and I know for a fact that I had to stop making payments on accounts back in XXXX due to loss of income. I'm not proud of it but I was struggling to keep a roof over my head and that was something beyond my control. However, I have been penalized for over 7 years now and I am trying to get my life back in order but the information they are reporting isn't correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: L.B.Gray LLC A Debt Collection Agency
State: IN

Complaint narrative:
I co-signed a rental agreement for my daughter XXXX XXXX in XX/XX/XXXX. She lived at the property the term of the agreement and moved out on XX/XX/XXXX. Landlord had agents present when we vacated the property and no problems were identified. There had been no damage, just normal usage, normal wear and tear.. XXXX called multiple times about getting our deposit back and was told it would be mailed but it never was. 

We then hear nothing until XX/XX/XXXX when a collection agency mails me saying we owe {$1900.00}. I replied on XX/XX/XXXX and again on XX/XX/XXXX ( certified # XXXX ). My letters specifically stated we disputed the debt and they were not to contact us again. I have received harassing phone calls in XXXX and continuing into XX/XX/XXXX. ( The XX/XX/XXXX call was around XXXX. ) These calls are from an automated system giving a call back number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I settled debt with 2 credit cards capital one, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX had purchased the debt from lender ( XXXX XXXX XXXX ) so this one is reported to the credit reporting agency. 2 times for the same debt to XXXX and XXXX. I have been in touch with all three Company 's they all said they would contact the agency 's to correct the problem. one of them sent in.some information to fix it, but 4 days later they re reported it to XXXX and XXXX that its a new account in collections. i put a dispute with all 3 of the credit agency 's they have not fix it as will they said we will looking to it and investigate it. It could take up 90 days. it only took 4 days to add it back on. why would they tell me they can help me. they can look at the report and see it was removed than added back on. they are playing with my life. I was going to apply for a home mortgage by now but i'm not able to receive a mortgage now and have to wait until they do some thing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: GA

Complaint narrative:
I have student loans reporting on my credit file.. I am a XXXX veteran and my student loans and been paid for by the US Government.. I am not responsible for these loans

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 2018-06-25 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Apparently someone has an account with a fake email and my information on it through XXXX. They purchased {$2000.00} worth of merchandise allegedly and it was apparently sent to my house without signature. This is WRONG. I called Navy Federal and they told me to open it as a fraud claim, so they did. Now 2 months later, NFCU tells me that since " XXXX '' has my address information, it must be me! Navy Federal scammed me out of my money with no evidence at all except a tracking that shows it was left at a " door ''. No evidence what it was, where it went, or anything. I never got any item. Now I tried to contact them to dispute since they opened a fraud claim and now they ruined me for it. They told me I should have open a " never received merchandise '' dispute now, but they won't let me open one. Navy Federal XXXX  me out of 2k+ and expects me to pay with no hard evidence that XXXX had to say it was me. Oh wow XXXX has my address! I have done business with XXXX a long time ago, so NO WONDER!!! Navy Federal has disappointed me time and time again recently with this process. They need to re-train their representatives. They are not looking out for anyone 's best interest. I am sure they lost my information to a hacker and now want me to pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have an identity theft problem with 2 accounts on credit report from Navient. Policy and IDTheft.gov docs plus other docs submitted in XX/XX/2016. 10 investigations have been opened and closed by XXXX. Other 2 agencies took off report but not XXXX. Now they want new police reports, etc. I am hearing impaired and have been given bad number to dial, told to get a lawyer so my wife can have power of attorney, etc. Now Navient is suing and they haven't provided documents either to me. I have a lawyer. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
The most recent contact with XXXX XXXX ( Care Credit ) and XXXX was today, XX/XX/XXXX. This is in reference to account # XXXX. Since XX/XX/XXXX, I have been in contact with XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX about requesting to have the information related to this account removed from my credit report. 

My first concern was about the information on my credit report : it was never updated to show the balance was satisfied by either Synchrony or XXXX. XXXX has been agreeable and helpful. Synchrony has not. 

The debt itself is not the issue and I am not alone in this country as someone who has suffered financially. I was going through extreme financial hardships in XXXX and was unable to pay even the minimum balance on the care credit card. However, I paid the debt IN FULL as soon as I was able and paid it directly to XXXX XXXX XXXX ( the account was sold to them by Synchrony ). 

My issue is the total debt was less than {$1500.00} and Synchrony refuses to treat collections on a case-by-case basis. My debt was compared to that of being in default with a mortgage -- that is ridiculous. I find this incredibly unfair and an unrealistic approach to resolving account issues. Synchrony also explained that charge offs will deter lenders from approving future loans. This sounds like Synchrony enjoys controlling the goals we try to achieve. I find it disgusting that a company refuses to acknowledge that people go through tough times but not all of us CONTINUE to go through tough times and work extremely hard to pull out of those tough times. If a > {$1500.00} debt will hold me back from buying a house or buying a car or asking for a student loan to further my education, I think that speaks volumes of Synchrony and their lack of support for people to want better and be better. The truth is : not all debt is the same.

I am asking again for the account related to XXXX XXXX ( Care Credit ) be removed from my credit report and I hope Synchrony will be open to revising their policies on deleting charge offs from credit reports.

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 2018-06-25 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: FL

Complaint narrative:
I am having difficulties trying to get some things resolved on my credit report. There are a few things that the bureaus are not investigating otherwise they would have been resolved. When I pulled up my XXXX XXXX they don't even show payment histories. I can not afford to belong to a monitoring site which takes XXXX a month so I have to relay on this site. What they are reporting are accounts which they indicate last payments in the year XXXX and I know for a fact that I had to stop making payments on accounts back in XXXX due to loss of income. I'm not proud of it but I was struggling to keep a roof over my head and that was something beyond my control. However, I have been penalized for over 7 years now and I am trying to get my life back in order but the information they are reporting isn't correct.

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 2018-06-25 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: FL

Complaint narrative:
I am having difficulties trying to get some things resolved on my credit report. There are a few things that the bureaus are not investigating otherwise they would have been resolved. When I pulled up my XXXX XXXX they don't even show payment histories. I can not afford to belong to a monitoring site which takes XXXX a month so I have to relay on this site. What they are reporting are accounts which they indicate last payments in the year XXXX and I know for a fact that I had to stop making payments on accounts back in XXXX due to loss of income. I'm not proud of it but I was struggling to keep a roof over my head and that was something beyond my control. However, I have been penalized for over 7 years now and I am trying to get my life back in order but the information they are reporting isn't correct.

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 2018-06-25 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: FL

Complaint narrative:
My XXXX student loans has never been late. They are currently in deferment but they are being report late. I contacted all three credit bureaus on XX/XX/XXXX to dispute the information. It was updated on XX/XX/XXXX but still reflecting late payments. I called XXXX on XX/XX/XXXX and they referred me back to the credit bureaus. I sent out 609 letters on XX/XX/XXXX. I need this corrected ASAP as I am applying for an apartment on XX/XX/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 2018-06-25 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I lost my job in XX/XX/2016 there I tried to lower my loan. I then discover that the loan was a simple interest. Because after paying XXXX my amount never went down. The car was repo in XXXX and sold and two this date it is appearing as if I have the car and my payments are late. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
To whom it concerns 1- What is the complaint about! 
XXXX XXXX XXXX in XXXX, NJ closed my account for having my Home-Depot card on time payments of XXXX per month. I started the payments 6moths ago and never missed one payment. XXXX XXXX is the bank that Sears uses for credit card holders. 
My payments to my credit card is impeccable for years. 
What Happen! 
I received a notification from Sears that they closed my account because of time payments to Home-Depot. I called them ( SEARS ) and asked why and they said because of Home-Depot. I owed Home-Depot {$250.00}, I paid them off today, I no longer owe them anything. 
What company is this complaint about! 
The complaint is about XXXX XXXX XXXX, XXXX, NJ Who are the people involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2018-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED COMMUNITY BANK
State: MO

Complaint narrative:
10 years ago we purchased a lot on XXXX XXXX in XXXX GA for {$250000.00}. We have made regular payments ( always paying a little more then due ) during this time. My husband and I went through a divorce and for a year I continued to make the payments on this loan as he said he doesn't care and would take bankruptcy. We also have a business together that just went under. I have put all the money I have into the business to try to stay above water. When I realized that I could no longer make the payment on the lot loan in XXXX, I contacted XXXX XXXX with United Community Bank of XXXX GA and asked the bank to take the Deed in Lieu of Foreclosure. XXXX said she would check on it. I contacted XXXX again in XXXX and XXXX. I was also contacted by a lady in collections from United Community Bank and I reiterated that we wanted to provide the Deed in lieu of Foreclosure. She said she would check into it. On XX/XX/XXXX, I spoke to XXXX again and asked about the Deed in lieu of Foreclosure and XXXX said we would have to go through the foreclosure steps anyway. I have attempted to work with the bank and am very disappointed this was allowed to happen which was not my intent as I have been trying to work with the bank and follow the proper steps. Now I have a letter from their attorney that they are proceeding with foreclosure. 

We have paid at least {$370000.00} on this {$250000.00} loan. Additionally, the bank should be able to sell the lot for at least {$120000.00}. If that is the case, the bank will have doubled their money in 10 years. Wow {$500000.00} and they won't take the deed. It is very disappointing and seems egregious that they are not willing to take the deed.

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