vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-09 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: AZ

Complaint narrative:
After three attempts, the last being XXXX, Experian refuses to remove reference on XXXX XXXX XXXX XXXX  account to Chapter XXXX filed over seven years ago.

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 2019-01-09 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: PR

Complaint narrative:
Equifax repeat the same inquiry in the same date, XXXX XXXX on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: EQUIFAX, INC.
State: WA

Complaint narrative:
There is a negative collection record on my Equifax credit report. I have paid this off some time ago, but it still is on my report, plus the information on the credit report now for it is almost nonexistent : Account Name XXXX Original Creditor ( None provided )?? 
Open Date XX/XX/XXXX Balance ( None provided )?? 
Debt ( None provided )?? 
Contact Information ( None provided )?? 

The lack of information is causing problems with my credit report for buying a home. I need this removed from my Equifax credit report. I have contacted Equifax several times and they said they unable to remove because of the unavailable information, or they say they will research it and they do nothing. I have contacted them several time from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I had a XXXX 's credit card account for several years. In XX/XX/XXXX My wife and I divorced and as part of the settlement I paid off all credit card debt including XXXX 's. I did not use the card after that time. Because there was a XXXX balance on the account, I did not expect to receive any statements. In XX/XX/XXXX I was prompted to pull my credit report when a credit card I actively use sent me a notice they were lowering my limit. To my dismay, I discovered that XXXX  's as well as XXXX XXXX and XXXX XXXX all had balances on them and were 90 -120 days delinquent. I contacted all of these companies and discovered my ex-wife had conducted an account take over on all these accounts. She changed the address, phone number and email address to her contact information. All statements and attempts to collect debt were going directly to her. I had no knowledge of this activity until I pulled my credit report. What she had done was essentially use the cards and pay the min payment until they were maxed out and then stopped paying. I worked with XXXX   XXXX and XXXX XXXX who both determined it was fraud and reversed all negative credit reporting as well as remove the balance as a debt I owe. I have tried to the same with XXXX 's and they refuse to work with me. In fact they charged me almost {$200.00} for me to order statements I never received since the address on the account was not mine ( again, fraud ). I had to have those statements so I could itemize all disputed items. Every transaction was completed online and shipped to an address I never lived. I filled out the fraud dispute and sent them a picture of my DL as requested. In the meantime they continued to charge me late fees and charged off the credit card balance. What started off as a {$600.00} balance has ballooned to over {$1000.00} due to fees and the amount of money they charged me for statements. They will not honor my fraud claim. I can even prove with lease agreements that I did not live at the address everything was sent to. The email address attached to my account was my ex-wife 's name. Its very clear this is fraud. I'm a United States XXXX XXXX veteran who served XXXX XXXX in XXXX and XXXX in the XXXX XXXX  XXXX. XXXX  's unwillingness to recognize this as fraud, remove the debt and reverse the charge off and all late payments that are a result of this fraud are not only impacting my XXXX, but my ability to qualify for a VA loan so I can purchase a home of my own.

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 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I signed up for an account in XXXX with bbva. When I opened the account I called to make sure the bonus would be sent and agent verified I would have it by the end of XXXX .I have called several times to inqore why I havent seen the promised sign up bonus. All requirements have been met. Secured emails have gone unanswered and no bonus has posted

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09 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: CA

Complaint narrative:
Transunion still not reporting current information on my student loan. Example, on my report dated XX/XX/XXXX, it only reports to XX/XX/XXXX. XXXX XXXX Borrower, states they report to TU. Transunion blames XXXX XXXX. It isn't accurately reported, still.

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 2019-01-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
On XX/XX/XXXX a letter was sent out by XXXX XXXX XXXX XXXX XXXX on behalf of Navient. The letter referenced Loan numbers XXXX and XXXX which appear to be loans from XXXX College and are under review by the Department of Education due to fraud, endangering my life, and encouraging their students to commit felonies and war crimes. 

The amounts of the loans when reviewing the amounts actually appear to be the following two private loans from XXXX XXXX XXXX which are over 15 years old and way past the allowable collection period. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Loans XXXX and XXXX are for the following amounts and originate from XXXX College. XXXX has has {$0.00} balance and XXXX is in administrative forbearance until XXXX XXXX - XXXX XXXX - XXXX These collection tactics are deceitful, unlawful, dishonorable and a disgrace to a civil society. 

Additionally, I believe the deceitful tactics in attempting to collect a debt that is no longer collectable violates FCRA. As a South Dakota resident, these debts are past the statute of limitations which is 6 years. 

I would like Navient to remove these loans from their online portal. They can shove them into some other website for online portfolio management so that I do not get confused and accidently, through their deception, make a payment towards these loans and reactivate the statute of limitations. 

I would also like all collection notices from Navient to cease as my account is under administrative review from the Department of Education and there is no reason a collection notice should be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
After being contacted by XXXX  three times, the last being XXXX, Toyota Motor Credit Co ( Account XXXX ) refuses to remove reference to Chapter XXXX filed over seven years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I closed on my home XX/XX/2018 with a mortgage payment of {$1700.00}, 2 months later I received a notification that my payment would be increasing to {$2400.00} due to the lender making an error on estimating my taxes in which they only calculated half of my tax bill instead of the full year. With that being said, I am now required to make up for their error and am being strong armed/required to make a large payment, which I can not afford. I have XXXX children and my husband is a XXXX veteran therefore we purchased this home expecting a mortgage payment we could afford. I have tried to contact the loan officer and he refuses to call me back and when I call customer service they will not alllw me to escalate the matter to a higher level of management. I am fearful that I will lose my home due to their error and I should not be penalized for such a error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2019 I was lied to about shoes. A man on XXXX was saying XXXX   for XXXX dollars. I texted the number he gave me his XXXX app name and disappeared. He stop responding and blocked me from everything. I have screenshots of everything we talked about. I went to XXXX app and they said there was nothing they could do and to contact my bank. I called Capitol One and they told me to wait until it clears and then dispute the charges. I dispute the charge but they tell me there is nothing they can do either because I transferred the money already.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I demanded that the following account be removed from my credit report : capital one bank usa account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: Student Loan Debt Agency
State: AL

Complaint narrative:
On XX/XX/2019 I spoke with XXXX, returned a phone call that I received thinking it was from the fasfa department. The phone number associated with the call XXXX, the other number I called back that was left on my voicemail was ( XXXX ) XXXX. The associate told me that XXXX XXXX the original person that called me was on another line an he would assist me. Then he asked for my full social an I provided him with it .not thinking that it could be a scam he then asked for a debit card or banking information I hung up because it would be XXXX up front for 6 months then XXXX after that. Please help me!!

Company response to consumer: Untimely response
Consumer complaint received 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My account is being closed with {$5300.00} in my checking because of recently opened account and making too many transactions so there closing it and i have not even a dollar on me. I have to pay my rent and have no money i also have a sick grandmother i take care of and pay A private nurse to take care of her and nothing. This is really a robbery being commited. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: GREAT LAKES
State: CA

Complaint narrative:
XXXX still not reporting current information on my student loan. Example, on my report dated XX/XX/XXXX, it only reports to XX/XX/XXXX. Great Lakes Borrower, states they report to XXXX. XXXX   blames Great Lakes. It isn't accurately reported, still.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: GA

Complaint narrative:
I have an extensive history of credit that was in Equifax. Recently tried to pull my credit report and they dont have a credit report on file for me. I asked how was this possible no one knew an answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I closed on my condo XX/XX/XXXX... I applied for and received a 30 year fixed rate mortgage of {$130000.00} with 4.5 % interest ... Taxes and insurance were NOT to be escrowed as I'd made this clear and have email regarding my closing as confirmation of this. XXXX XXXX was my first mortgage holder, .. it was later transferred to Dovenmuehle Mortgage. My mortgage payments were to be a fixed rate of {$660.00} monthly ... which I'd been paying on time for just over one year. I've payed my insurance and property taxes directly and always on time. 
On Friday XX/XX/XXXX I received notice that my payments were going up to {$770.00}, related to an escrow account ( which I was not supposed to have ). I contacted a representative of Dovenmuehle Mortgage, XXXX ( XXXX ), to discuss this. She informed me that the company sent in money for taxes of XXXX.. and later they were refunded XXXX.. ( the same amount I'd previously paid ). She said they were still owed {$670.00}. I contacted the XXXX county tax  office and spoke with XXXX XXXX, tax supervisor. She informed me that I was the contact on record, and that no bill went out to Dovenmuehle. They received my quarterly payment first and on time ... but later received a check from the mortgage company and so they refunded them my payment and placed the remainder towards the next installment in XX/XX/XXXX. On my instructions, she did issue a check back to Dovenmuehle Mortgage for the remaining {$670.00}. I'm submitting an email with her testimony that I have been paying all tax installments on time, .. that the mortgage company never requested a tax bill, and that they were being refunded the remainder of the payment ( {$670.00} ) they made. 
I did make another call to XXXX XXXX  XXXX, and spoke with a XXXX ( XXXX ), however, the issue could not be resolved to my satisfaction. She did not have the authority to resolve this, nor was she able to connect me with someone higher up with the authority to correct this, as I had requested. She did say the company uses another agency to look into matters of taxes. 
I do not fully understand why any mistake was made regarding an escrow account in the first place. I do not know if there were errors between the different mortgage companies in relation to transfer of the mortgage. I do not know why the mortgage company took it upon themselves to look for and pay the property taxes without notifying me. I do believe I've done everything within reason to make it clear that I'd be paying the taxes and insurance myself ... and that there is not to be changes in the monthly rate of the mortgage due to an escrow account. I would like to have the situation remedied with my monthly payment of {$660.00} reinstated. Also, I do not want any sort of penalties related to late payments or anything else related to this incident to effect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I currently have viewed my credit report and have noticed inaccurate items such as inquiries tat I did not authorize on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted letters to Credit Companies about inquiries in my report that I didnt recognize dating back to XX/XX/XXXX. They have yet to honor my request to remove the incorrect information. I submitted police reports but still no replies. 

I also show XXXX and XXXX has removed a debt but trans union still carrying it. I would also like that removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My capital one credit limit is XXXX. After requesting increases, I was able to make purchases up to XXXX before the card was being declined. Assuming the line was increased, I received notification from credit bureau stating my score dropped due to over credit limit ... I was told by capital one that their was a glitch allowing it to go that high, she then transferred me over to a senior supervisor named XXXX, who said there is absolutely nothing they can due regarding an issue they they made, and is affecting MY CREDIT in which im trying to build back up upon declaring bankruptcy last year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got a personal loan with XXXX XXXX /syncronic bank , about 2 years ago. 
I called on XX/XX/2018 asking for an extension to make my payment because I got sick, I was at the hospital and with the XXXX and with multiples doctors. I am still in really bad situation. I have the copies of all my medical records. 
This company announce sales of furniture with zero interest and I got a room set about two years ago .Until XXXX my debt was {$880.00} and they added an amount of {$1100.00} for Interest charge on XX/XX/2018. They did back date charge interest of 29.99 % adding in my account this interest an now my new balance in {$2100.00}. 
l 've been calling customer service. I spoke with XXXX and other ladies and nobody wants to help me. How come they increase my balance when I am calling for help because my health conditions? 
Please I need your help. As I wrote before I have copies of all my medical records. 
please do not add such amount of interest on my account and in this moment when I really need help. Please send this letter to the Manager or Directors of the company. 
I really need somebody who can help me read my letter. 
Thank you I appreciate your help

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 2019-01-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I originally applied for a home equity line of credit with PNC. They told me it would be fixed for the first five years then variable. It was variable from the minute I signed. I told them the loan officer mislead me on the loan and they said I can change it to fixed for a {$100.00} fee. I told them I shouldn't have to pay this fee and they agreed but charged me anyway. I fixed the loan and then decided to take out a new loan to pay off the original loan. I had to go to closing three times before the loan wen through due to problems with their loan administrators and underwriters. After I got the loan, I received the first bill 3 days before it was due. I called to complain and they said they would put through the payment over the phone without a fee. The woman attempted to process the payment but it was the wrong amount. I told her it was wrong and she said she would fix it and I would get an email. I never got the correction email. I called them 2 days later, 1 day before the payment was due, to fix the problem. The nasty manager told me I would still have been responsible for a late fee even though PNC 's customer service agent put through the wrong amount. I asked them to check it. They said they couldn't find the payment at all. Then he asked to process a new payment. I have not received a confirmation yet. This bank is horrible. Their customer service agents do not have adequate training on consumer regulations. Their loan administrators have violated Regulation Z due to not sending me my bill on time and not processing my paperwork in a timely manner. Their loan administration process needs to be enhanced to ensure their employees follow the regulations and process everything timely and give customers the correct information. They also need to send billing statements in a timely manner. Please look into the mortgage servicing practice of this horrible bank.

Company response to consumer: Closed with explanation