vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX  XXXX XXXX XXXX   XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX. 
Company Inquiries : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 explanation
Consumer complaint received 2020-06-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX. 
Company Inquiries : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: NC

Complaint narrative:
Today, some collection agency named Avante USA reported a {$1100.00} collection account on my XXXX XXXX credit report. I have never heard of this agency before, and they have never tried to contact me in any way. Fair collection law provides that a collection agency is required by law, to make an individual aware of a debt, and give them 30 days to contest it, or resolve it, before it just appears on one 's credit report. However, Avante USA never allowed me such a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: NC

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX, I am the daughter-in-law of the late XXXX XXXX XXXX and XXXX XXXX XXXX. I would like to file a complaint against Reverse Mortgage Funding. This company is supposed to help senior who need help with their mortgage, not in my book. Yes, my in-laws did take out this loan. My complaint is not about the issue of the loan, but is that I don't understand how they were told to pay homeowner 's insurance and property, which they did. When Mrs. XXXX receives her monthly statement, it has where Reverse Mortgage have been paying the homeowner 's insurance and property taxes. 
We are aware of the federal privacy laws, and that Reverse Mortgage Funding could not provide information regarding this account. On XX/XX/XXXX, my mother-in-law wrote a letter on my behalf to allow me to talk to them regarding her account. She also gave me permission to speak with someone with Reverse Mortgage, and as of today, XX/XX/XXXX, no one has yet to call her regarding this account. When my mother-in-law receives her statement there is {$14000.00} in an escrow account. When my husband, XXXX called and spoke to a representative regarding the account, they told him the {$14000.00} was like a ghost! Well, we do see it! It is on the statement, then someone should have called and spoke to my mother-in-law about the situation. It's like they are waiting for her to die, and take her home. Is this truly the American way of living! 
My problem with Reverse Mortgage Funding is that this company is not doing what the commercial is advertising. As I have stated to the XXXX XXXX XXXX, I am willing to go to XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX with my complaint.

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 2020-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
The Golden 1 Credit Union Acct # XXXX account was settled in full on XX/XX/2020. They have yet to update my credit file and are in VIOLATION. This is impacting me from getting the credit I deserve and I demand that the account now be removed from my credit file. They have failed to communicate with me in a timely manner!

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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I checked my credit expecting to see a rise in my score because I have paid off a collection account in full. XXXX XXXX XXXX XXXX {$870.00}. I Paid through XXXX XXXX XXXX. Instead XXXX XXXX XXXX was dropped from my report and my credit has dropped 21 points. It is supposed to rise 25 points  when you pay off a collection account in full. I have a Thank-you letter from XXXX XXXX XXXX showing the amount and that it is paid in full. The original creditor, XXXX XXXX XXXX XXXX, is still on my report showing it was charged off. This is just wrong! I am being penalized for paying off a debt. I filed a complaint with both TransUnion and XXXX. They sent their results today XX/XX/2020 and stated that the information is correct and the dispute was closed. How is this possible? I would like them to put XXXX back on my report showing it is paid in full and giving me the corresponding rise in my score ... .. 
Thank-you for your time in this ... ..

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 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/17 I received an email from Chase bank saying that my account was closed due to suspicious activity. When I tried to log into my account it told me the account is locked and I need to call a number ( ( XXXX XXXX XXXX ). When I spoke to the representative on the line ( Fraud Department ), she was very rude and not helpful at all. She said my account is closed ( after 10+ years ) and she wont tell me why because XXXX can do whatever they want and they dont owe me an explanation. 

Im at a loss for words here! I ended up going to a XXXX branch and spoke to a banker thinking this is a scam. And the banker told me that theres nothing they can do. She also told me she had another client this week with the same issue. It looks like this has something to do with receiving unemployment possibly. I have been receiving unemployment since mid XXXX due to COVID and in XXXX there was a fraudulent breach in the unemployment system in Washington state. I was not affected by this but I did have to confirm my identity with them which went through and I have been receiving payments to my checking account, until yesterday. I was dealing with unemployment for five weeks in regards to fraud and now possibly because of that situation, my checking account was closed. 

This is a very unfortunate situation for me due to not having access to my finances right away so I can provide for my family as well as not being able to receive unemployment assistance since it's connected to my checking account. I was supposed to get paid today and the payment did not go through since my account is no longer valid. I was told I will receive a check with the remaining amount from my account ( not sure when this will happen ) and I can never open an account with XXXX in my life. I dont understand why this is happening. I dont know why my account was closed without an explanation. 

So Im being punished for being a victim??? If this is truly regarding fraud and there was suspicious activity in my account, shouldn't I be aware of this information so I can take measures to prevent this from happening in the future? 

XXXX needs to figure out their policies and regulations and let people have a chance at life instead of kicking them while theyre already down. A lot of people are struggling right now during these devastating times were going through and are barely making ends but here they are treating their customer so horribly. I will never recommend Chase to anyone I come across after what I had to go through in the last 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
Company Inquiries : XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX, US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: NJ

Complaint narrative:
I complained about XXXX XXXX and XXXX XXXX withholding payment information to my accounts for many months. This included an account that had been paid off. Experian investigated and found both accounts unreported. The first reduced balance ( more than {$2000.00} payment ) account with XXXX XXXX caused my score to go up while the paid off account ( more than {$2000.00} pay off ) with XXXX XXXX caused my account to go down 24 points. Simulation on Experian website had indicated that the pay off will have a positive effect and that was a motivating factor to raise my credit score. The simulation apparently lied because paying off my loan reduced my credit score by 24 points. It is had to understand why I am penalized for paying off a debt.

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 2020-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/2016 my paid off balance of {$180.00} dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. The company never notified me of the rejection and gave me this late payment. I now can not get a Bridge Loan for my business because of this mark on my credit and the company will not help me with this unfair situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Hello My family has been through complete turmoil these past 6 to 8 months, First, my father n law passed away unexpected without any life insurance, then our house sold for taxes and we had 15 days to move which we did but it was a hefty cost and then I got sick in XXXX, swear it was XXXX but wasn't tested because tests weren't available yet and then the pandemic shut everything down, Both my husband and I got laid off but my weekly rate is {$110.00} and I was in touch with the lender and they agreed to defer 3 months and catch us up and I felt relieved but then I get a call that my car is being repossessed and they want XXXX to catch the loan up, It's our only car and our only way for husband and me to get to work, He went back this past Monday and I am returning this coming Monday. I didn't plan for our life to be torn apart, We had to go to a food bank for the first time in 10 years and that's disgraceful, Please help us!!! 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 08 XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Company Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-06-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 08 XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
Company Inquiries : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
After contacting the CFPB ; National credit system sent me a identity theft affidavit to fill out & asked for my ID. I have filled out the affidavit and have my ID on hand. When I called to speak with the person over my case to see WHERE I send it to, he hung up on me. I dont have money or a way to mail them the paperwork they asked for. Just like the sent it electronically I need to send it back electronically. I dont have funds to go buy stamps and envelopes. Which is why I am doing it all online. They also asked for a Notarized signature and idk what that is and if its something I have to PAY for to get, I cant do that either. So I will be attaching my ID, the identity affidavit & my report from the FTC. So unless they have a way for me to send all this info for free via paper mail and a way for me to get whatever they want notarized done for free ; Im not able to do it. The FTC accepted my identity theft report. I am sending what I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: CT

Complaint narrative:
The US Dept student loan was transferred to a new servicing company, US Dept of Ed/XXXX which is listed on my credit report as current. However, Equifax will not deleted the old account, US Dept of EducationXXXXXXXX  WAS and Im being denied for a Direct Graduate Plus loan to continue my education. The loan is being shown twice US Dept of EdXXXX and the new loan Serving companXXXX Dept of EdXXXX its the same loan. In addition, Equifax is reporting the US Department of Education student loan as it is in default according to Direct Loans which it is NOT! I need this problem rectified immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I have been struggling to pay off my student loans for years. I am now XXXX XXXX XXXX and trying to save for my retirement. I am asking if you can please forgive half of the balance which is all accrued interest ( half of the balance I owe is interest ). I will be able to pay off half of the amount. The total balance is {$64000.00}. I can pay half of that amount. It's all interest! Please help! I want to pay this off but I need to save for my retirement. I can make monthly payments as I have been doing but I need help with the total balance owed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Ascend One Corporation
State: CA

Complaint narrative:
I had debt to pay {$31000.00} on, or about XX/XX/2014 in school full time and this debt hanging over my head made it excruciating difficult, if not impossible to continue with my grades, payments, trips, to & from school. This had a snowball effect. I had contacted CareOne Credit debit recovery service in seeking my virtue outcome. Meanwhile, the CareOne claimed it was going out of business or had sold it to XXXX XXXX XXXX XXXX XXXX. I had, later, noticed their website business was still active, up and running on the internet at their disposal sold my account to XXXX XXXX ( XXXX XXXX ; XXXX XXXX XXXX XXXX ). Today I had called following an account by XXXX XXXX XXXX  By XXXX Corporate office the services provided agent I spoke to Mr XXXX XXXX about this account whom, told me it was a fraudulent because XXXX XXXX is not the agency who last had the account. It was CareOne. Accordingly, I was told those records are not found, don't have access to them. Although I was apprehensive when learning they were exchanging hands. I was cautious but because we had the power of attorney to handle the account ( s ) I really felt safe. As you can see that is not the case. They made a suggestion to contact the three Credit Bureau to see if they can trace the check that was paid out to the account. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am a long-term citi card holder ( gold card ending in XXXX ) who is at the end of my rope with Citi. I have now had 6 phone calls with customer service, including one with a supervisor last night. 

I have {$7800.00} credit on my account due to XXXX XXXX refunds : 6 on my XX/XX/XXXX statement and 2 on XX/XX/XXXX. I requested a check refund on XX/XX/XXXX and was told I would receive it in 7-10 business days. I requested one again on XX/XX/XXXX via message on the app. because 2 more XXXX credits had been posted on XX/XX/XXXX. Was told two checks would be issued, one for {$5100.00} and a second for {$2500.00}.

When my statement continued to show a credit balance, I called customer service again  on XX/XX/XXXX, and was told the refund was awaiting approval and I would receive a check for the full amount of {$7800.00}. 
When no check was forthcoming, and my account was still showing the full credit, I called again last night, XX/XX/XXXX. I finally spoke to a supervisor and was told the refund had NOT YET BEEN APPROVED and the only way he can communicate with that department is via email because there is NO PHONE NUMBER. 

Meanwhile, Citi is sitting on almost {$8000.00} of MY MONEY. This is not only disgraceful, but I wonder if it is illegal.Another supervisor called tonight to say she is waiting to hear from the approval department and she has no idea of the criteria they use for approval or what the process is.

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