vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I ordered the monthly monitoring from Equifax. This service includes daily updates and credit reports. I went to upload a new report since the last one was weeks ago and I am checking on an unverified item. The report would not load and I received this : We're sorry. We were unable to complete your entire order. Please carefully review the order status below to see which products were not able to be delivered. You will not be charged for the undelivered products. 

We are unable to complete your order at this time. Please contact our Customer Care department at XXXX ( XXXX ) 7 days a week between the hours of XXXX - XXXX Eastern Time Zone for immediate assistance. Please record the following information and have it available when you call : Eval Code : - Status Code : FL, Reason Code : IC_PE_FL I called and was on the phone of over 90 minutes. They were unsure of how to fix this issue. They said they would send it to the escalation department and I would be notified via email in 7-10 days. Well, the time has passed. No notificaiton. I also tried to upload the report via XXXX and XXXX NO EQUIFAX REPORT! I am paying for this service and can not obtain a product. I can not spend 90 minutes on the phone with someone who does not know what is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citi sold the rights to my mortgage to a third party. To make payments with the new third party I needed Citi to provide me with my new loan number. Citi refused to provide any assistance.

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 2019-04-02 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: GA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank closed my account because they had closed an account in my name due to a bankruptcy back in 2012. After I went to cash a check for XXXX issued from a Chase bank account, they told me that their limit was only XXXX that I could open an account or take the check to another bank institution. There was also an {$8.00} banking fee. One morning I checked my online balance and the account was blocked, therefore I called and they told me that they would issue a cashier 's check after ten business days of the account closure. They have my money and that is wrong!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I was filing this complaint because i have been a loyal customer for many years. I feel i was not treated fairly about my account and it was done wrong. I feel like a title loan is not a personal loan are two different things. I was talk to rudely by the manager when i told him that i was trying to pay. He refuse to sell the car to my daughter which the account was in my name and i told him i was willing to pay him XXXX a month because i am disable and get one income. My daughter is in college and needed the car. He argued to me that she could not get the car but sold it for XXXX when he would not take my daughter money. I think that was wrong and very distaste for to do to the customer. I want to settle on this account and have it closed and removed off my credit for XXXX. I will like my account to come to current. zero payments missed and i can start making my payments at XXXX a month before the XXXX of each month. I would love to continue to do business with this company if this account can be took care of. I have honored this company with my business please take of this as soon as possible because i think one of the best policies is to treat customers like you want to be treated not 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 2019-04-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is charging me for a loan that was supposedly exonerated over 10 years ago. They've bullied me into making several payments so it could take the negative effect off of my credit report and be up to date. 
10 years ago my mother took out a student loan in my name with my step father as the co-signer. Shortly after, my dad had gotten cleared for XXXX XXXX veterans XXXX which allowed me, as his dependent, to utilize his benefits that paid for my college finances. Because of this, the loan was no longer needed and my mom had it exonerated. Only for 10 years later to pass and I am being charged for this! I do not have the funds to pay this loan and do not feel I was fairly approached and educated on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: MI

Complaint narrative:
Our mortgage was originally with XXXX and they transferred us to Statebridge Company. Right from the beginning our mortgage statement always arrives one or two days before the due date. As of today 's date, XX/XX/19, we have not received it and it was due yesterday XX/XX/19. I have called several times regarding the timeliness of the statement. One guy told me that is just a courtesy, I don't need it to pay my bill. If you pay online they charge you an additional {$5.00}. If I received my statement timely, I wouldn't even have to pay online. If it was received timely we wouldn't be paying additional interest fees or possible late fees. When I do send my bill, they hold it for several days. I have called them a couple times to see if they received my payment because they don't process them timely. In my opinion this company is committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: Io, Inc.
State: PA

Complaint narrative:
I have indicated to the credit bureau as well as the creditor the medical bill had been paid to the original creditor and it is still showing as an unpaid bill. A payment was made through an XXXX account for the XXXX XXXX provided to the original debtor not a collection agency. I have not received correspondence or a bill from a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MN

Complaint narrative:
I co-signed a student loan for my former son-in-law. This company entered a charge off on my credit report despite the fact that I have paid them monthly for 5 years, without missing a payment. It is my understanding in order to put a charge off on a person 's credit report there has to have been 6 months of missed payments. I send each payment by certified mail so I have the signed receipts to show the payments have been received, also my canceled checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My Menards card was declined in the store on XX/XX/XXXX. I called Menards Billing at XXXX, spoke w/XXXX  who said the account has been closed due to " months and months '' of non-payment. I explained my current bill ( XX/XX/XXXX thru XX/XX/XXXX ) showed {$330.00} due on XX/XX/XXXX, which was paid in full on XX/XX/XXXX. Further, there was a {$62.00} payment made on XX/XX/XXXX, so there was no " months and months '' of non-payment. I did miss my XXXX payment, however I also explained that I had called Menards Billing regarding my bill each month to let them know I was experiencing hardship due to an XXXX injury resulting in XXXX to my XXXX XXXX, requiring XXXX in early XX/XX/XXXX, which left me unable to work during all of XXXX and most of XXXX. I also explained at that time that I now have new employment working for the XXXX XXXX system, and my income is increased substantially. XXXX was apologetic, however he said the account has been closed and nothing further can be done. He welcomed me to apply for new credit if I still wanted to do business with Menards. I never received any notification of impending account closure, neither via phone call or email, and my account was paid in full on XX/XX/XXXX. In addition, when I log on to my account billing, it shows a current balance of {$0.00} with available credit of {$3500.00}, giving appearances of the account being active and in good standing. Please assist! I would like for my account to be re-opened in good standing with no reduction in credit. Thank you, I appreciate your expertise!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX an order was placed online on my XXXX XXXX account for the amount of {$940.00}, which was not done by me. I called immediately to report this charge and spoke to the fraud department. I was told my card would be cancelled and I would be issued a new one, which was done. I was told that the charge would be removed during the investigation process. I received a letter from XXXX XXXX   asking for what happened along with a copy of my picture ID. I mailed that back. I called XXXX XXXX and my correspondence was received on XX/XX/XXXX. I started called XXXX XXXX in XXXX because the charge is still on my account and due to the charge my monthly payment is higher and the interest being charged is also higher. I have called numerous times trying to get this issue resolved because I shouldn't have to pay a higher monthly payment and higher interest rate for something that I did not purchase. I keep getting the same response that it is under investigation. I was told the second time I called that it takes 7 to 10 business day. I called today XX/XX/XXXX and was now told it can take 90 days. During this time I still have to pay for this fraudulent charge, which should not be the case.

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 2019-04-02 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: WV

Complaint narrative:
COMPLAINT on XXXX, Equifax, XXXX : My wife and I are senior citizens. We have submitted information to have changes to show combined income but nothing happens. Jointly, we have an income of {$72000.00}. However, the reporting agencies show me at {$32000.00} and my wife separately at approx. {$30000.00}, which first of all is incorrect in amounts. BUT the main concern is that My debts are reflected in her income and her debts reflected in my income level. Therefore, the debts ideally are considered twice lowering both our scores. It seems that if both of us are responsible for the same debts then the total combined income should be used when doing so. What they are causing is an imbalance of our debt to credit percentages which poorly reflects our credit worthiness when these reports are pulled for service to us. Please help us with having this considered and adjusted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: WV

Complaint narrative:
COMPLAINT on XXXX, XXXX, Experian : My wife and I are senior citizens. We have submitted information to have changes to show combined income but nothing happens. Jointly, we have an income of {$72000.00}. However, the reporting agencies show me at {$32000.00} and my wife separately at approx. {$30000.00}, which first of all is incorrect in amounts. BUT the main concern is that My debts are reflected in her income and her debts reflected in my income level. Therefore, the debts ideally are considered twice lowering both our scores. It seems that if both of us are responsible for the same debts then the total combined income should be used when doing so. What they are causing is an imbalance of our debt to credit percentages which poorly reflects our credit worthiness when these reports are pulled for service to us. Please help us with having this considered and adjusted. Thank you.

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 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have agreed to settle my XXXX XXXX debt for a single payment of {$1000.00}. I have documentation supporting a single-payment transaction. Midland Credit Management debited my account twice for {$1000.00}, leaving my balance at only {$89.00}. I contacted MCM on Sunday,XX/XX/2019 and a supervisor advised me that they were experiencing a glitch in the system. He assured me that the funds would be returned to me in 48-72 business hours. The supervisor stated that I can call the following business day to confirm when the funds would be returned. I called MCM again on XX/XX/2019 to advise them that both transactions officially cleared from my bank account and I still have not received a refund. I then spoke to a new supervisor who advised me that they are trying to fix the issue and it can take up to 30 business days. I informed the new supervisor that this was not the information I was given two days ago. He just apologized and said that there was nothing he can do. I requested to speak to a manager. I waited on hold for 15 minutes to be told that they would look into it. I agreed to a single-payment of {$1000.00} and was ripped off an additional {$1000.00} with no guarantee that the funds would be returned. I am currently XXXX weeks along in a high-risk XXXX on bed rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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:
Equifax and XXXX are reporting incorrectly that I am past due on the Dept of Education/XXXX partial account number XXXX. ( Please see page 2  of the attached credit report. ) This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This account is currently coded an I5. This incorrect reporting is harming my credit score.  Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I had an IRA account with Ally Bank. I wanted to transfer that money to XXXX XXXX for a better interest rate. I submitted transfer paperwork in XXXX of XXXX. Ally Bank kept responding that the paperwork had not been properly signed by XXXX XXXX. This went on until XXXX of XXXX when Ally FINALLY ADMITTED THAT THEY WERE WRONG. The paperwork had been properly submitted and signed by all parties. 

This delay cost me roughly 5 months in lost interest. I placed dozens of phone calls to Ally and XXXX trying to get this resolved. Once Ally admitted their fault they told me there was NOTHING they could do about my lost earnings. 

I continued with my calls and demanded that they compensate me, they again said nothing could be done and I received a letter that said they are not in the practice of offering compensation to their customers!!! 

Their mistake and delay cost me $ $!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Hi, I became delinquent on my mortgage loan from XX/XX/XXXX on XX/XX/XXXX. For 7 years I have suffered consequences of this action on my credit reports. 
The new company servicing the mortgage : Shellpoint Mortgage Servicing ( Shellpoint ) started to report that I am being late on my mortgage payments only as of XX/XX/XXXX. This information is incorrect since I stopped making payments on my mortgage in XX/XX/XXXX. It is the same loan. The loan is now in litigation as of XX/XX/XXXX. I received accelarated note long ago. I do not get normal monthly statements based on which Shallpoint could report to the Reporting Agencies that I am being late with my mortgage payments as Shellpoint is reporting. The statements I receive only for example show Reinstatement Amount of {$220000.00} ( as of XX/XX/XXXX ) rather than normal monthly mortgage payments. 

In addition, Shellpoint on my mortgage statements shows implicitly delinquency date on my mortgage of XX/XX/XXXX ( calculated from the statement : " As of XX/XX/XXXX, you are 1,994 days delinquent on your mortgage loan '' ) in order to circumvent the requirement about not reporting on the debt that is delinquent for more than 7 years according to Fair Credit Reporting Act. 

The fact the issue is not settled after more than 10 years of delinquency shows the weakness of the bank 's case and I should not be punished in excess of what is allowed by law ( 7 years ) of reporting delinquent debt information. Shellpoint has recycled the old information in order to put extra pressure in negotiating the settlement. Use of these unethical tactics should be disallowed and the company should be punished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
GC services continues to list Debt owed within its database for a case that was fully dismissed in traffic court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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:
XXXX and Transunion are reporting incorrectly that I am past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This account is currently coded an I5. This incorrect reporting is harming my credit score. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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