vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-03 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: NV

Complaint narrative:
I need to dispute the accuracy of the below seven XXXX XXXX XXXX accounts. The Equifax credit report states that the  Date Major Delinquency First Reported was XX/XX/XXXX. This is incorrect. I paid off the account in full on XX/XX/XXXX. In addition, the Current Status needs to be updated to Paid. 

I contacted XXXX XXXX XXXX  and they said that Equifax is not reporting the information sent to them and Equifax needs to fix it. Please resolve this as soon as possible. 

Below are my student loan account numbers with XXXX XXXX XXXX : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX I have attached the XXXX XXXX XXXX letter showing the status should be PAID. The Date Major Delinquency also needs to be corrected to XX/XX/XXXX. 

Equifax confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Prior to purchasing a new truck in XX/XX/2018, XXXX XXXX, did NOT borrow money from Pentagon Federal Credit Union ( PenFed ). Instead he took out a loan with a different credit union. 

On XX/XX/XXXX ( and again on XX/XX/XXXX ), PenFed requested evidence of insurance coverage for the vehicle. 

On XX/XX/XXXX, Mr. XXXX, an active member of the military, died suddenly. 

On XX/XX/XXXX, XX/XX/XXXX ( and again on XX/XX/XXXX ), PenFed demanded proof that it was lienholder, threatening that failure to provide this information would result in a loan recalculation. 

Mr. XXXX 's surviving spouse ( and daughter who had power of attorney for her mother ) telephoned PenFed but  PenFed refused to speak with either of them as they were not the borrower on file. 

On XX/XX/XXXX, Mrs. XXXX sent a copy of the death certificate by mail with a letter requesting proof of a loan because her records showed that there was none. 

On XX/XX/XXXX ( and again on XX/XX/XXXX ) PenFed sent an empty message of sympathy accompanied by a demand for the balance of the loan in the amount of {$26000.00}. 

Only after asking her personal attorney to call, was PenFed willing talk about the barrage of demand letters on a non-existent loan. On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX, said that the loan was canceled the day before onXXXX, because the loan was never negotiated. The substance of this phone conversation was confirmed in a XX/XX/XXXX letter by XXXX XXXX, Estate Accounts Assistant. In this letter, PenFed acknowledged receipt of the death certificate, stated that the loan check had never been negotiated and there was no longer any open loan on file. However, PenFed stated that Ms.XXXX needs to complete a membership application in order to receive the small balance of the savings account funds and get the credit card transferred into her name ( but she would owe payments on any outstanding balances. There was no information as to what if any balance was owed on the credit card ). 

But the icing on the cake was sent on XXXX XXXX XX/XX/XXXX. The letter was addressed to the deceased (! ) demanding copy of the title to establish that PenFed is the lienholder on this NON EXISTENT LOAN! 

In a light most favorable to PenFed, this is an administrative error of epic proportion and the lack of empathy is appalling. In a light least favorable to PenFed, this is an attempt to fraudulently extort money out of a grieving XXXX XXXX widow for money that was never borrowed from PenFed in the first place.

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 2019-01-03 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: FL

Complaint narrative:
XXXX XXXX XXXX  violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: TX

Complaint narrative:
I usually make payment my self and never been late on payments. 
This year my wife is not working and XXXX was close, I have XXXX kids and trying to make happy every one on this XXXX. 
Month of XX/XX/2018 was last day to make the payment and I very busy at work till XXXX : XXXX   and got my paycheck. 
I submitted my payment on last day after XXXX : XXXX .They are saying you made this payment after work hrs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I called u and disputed the account but no response received from you till now and u are calling me like XXXX if you can not validate the debt remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 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: BB&T CORPORATION
State: FL

Complaint narrative:
Regional Acceptance-XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-01-03 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: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet Loan Services has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: FL

Complaint narrative:
For the last 60 calendar days, Discover Bank has held my money hostage by blocking my phone number. This has prevented me from closing my account since Wire Transfers require voice verification by their policy. 

The reason for my number being blocked is a malicious and vindictive response from Discover Bank executives due to my filing of a complaint with the XXXX XXXX XXXX for their customer service management team. 

I alerted the XXXX CFPB, and CFPB Ombudsman and none of them addressed the concern. The CFPB Ombudsman never even answered the phone since his service always goes to voice message. 

I am alerting you of this issue and I need immediate resolution so I may begin to transition my active accounts out of Discover Bank 's system this month and ensure no impact on my credit score, accounts payable, and accounts receivable ... since it is the malicious intent of Discover Bank executive office to harm all of these. Again, I alerted the XXXX, CFPB, and CFPB Ombudsman of all of these concerns and they allowed Discover Bank to issue canned responses with NO reference to the clearly stated complaint. 

I need you to interfere and instruct Discover Bank to allow me to transition my funds out by wire transfers within the next 2 months to ensure no impact on my credit score,  accounts payable, and accounts receivable. I have no way to contact Discover Bank by phone which is the only way to wire transfer my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
XXXX XXXX has been overcharging Im imterest and allocating fees without my consent when directed to go toward pricinpal reduction not fees. During the months of XX/XX/2017 the applied 8 payments of $ XXXXtowards outstanding fees when directed toward principal reduction and another month did {$130.00} towards fees that should have been a principal reduction this has created more interest to be paid on the loan. When I called to discuss the matter with them the representative was extremely rude and stated your XXXX XXXX wont get you anything or further with me. This was not accepts Le behavior. Santander ( parent company of XXXX XXXX  ) is one of the largest subprime auto lenders who could be charging this to many clients creating {$1000.00} of unlawfully charged interest. My interest rate is low however other clients, XXXX have higher and not be as informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
When I try to transfer my Membership Rewards points to XXXX, I find out American Express freezes my account. They say : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' When I reach Amex customer service, a representative told me my account is being reviewed by their corporate office, they can do nothing about it. My points are my asset, which are equivalent to cash. I don't think American Express has any rights to hold my asset at any time. I have a travel plan soon, so I need to transfer my points ASAP to redeem a flight ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
During the time of XXXX my identify, bank card and cellular device was stolen. Once i finally was able to retrieve my belongs i realize that my debit card with boa was stolen as well. When i contacted them they told me i had no worries because my card was frozen. At that time i also told them I didnt have access to my login id. They lady i spoke with told me well my card is frozen so nothing will be coming into or out my account. She also told me my account doesnt look like its going to be closed and if so, wait until Wednesday to hear back from them and if no call or email then my account will be re open. That very day Wednesday i called and spoke with someone told them what the lady told me and they had told me well i dont know why that information was related my account was officially closed. I asked why and they said because a check. I then begin to ask questions because I was very confused if they were talking about about my direct deposit from my job. I ask them well what can i do about my account and funds and they advise me my money will be mailed and no longer want to do busy with me very rudely. And my social is report on the blacklist for stolen check that i was never aware of. Exactly XX/XX/2018 my account was closed without me knowing anything and until this day my funds are still not being issued to me all because a check was out into account at the time my identity and belongs were stolen.

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 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  DBA XXXX XXXX XXXX was when the bill was paid, that they would remove it off my credit report. Disputed this with XXXX, and they said it would be removed. 
XXXX XXXX has also been disputed through XXXX. That charge was originally from 2010, when the woman processed the applications for that apartment complex, and she didnt ask for payment up front. She instead billed me after the fact. 
I am disputing both negative accounts on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: MT

Complaint narrative:
Previous complaint ... XXXX ... .fraud. 
XXXX XXXX, senior customer care specialist, US Bank XXXX XXXX Customer Service ... ..once again, I didn't file or authorize fraud on 2 transactions at XXXX XXXX XXXX ... XXXX XXXX and XXXX 2018, as I told you on our phone conservation, I didn't sign your form on these as I still have it. 
Your force close fee of XXXX ... .now you word as a charge of fee. 
Stop dancing, take responsibility of your employee errors. I am not responsible for this for this negative balance which now is a Recovery Branch, Department. I want immediate attention, and correction from you on your staff errors

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 2019-01-03 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX I purchased a Business Education and Training Program called " XXXX XXXX XXXX XXXX '' called XXXX. I purchased Training Packages and the permission to sell the packages.. I paid {$60000.00} for the program and charged {$11000.00} on a Chase Credit Card as XXXX XXXX  XXXX. 
On XX/XX/XXXX XXXX was shut down by the FTC. All XXXX communication and Websites are shut down. Therefore I was unable to sell or get any additional training. On XX/XX/XXXX I notified Chase Dispute Department of the situation. They mailed me a form to fill out and i completed it and mailed it in. 
Since then I have been going back and forth with Chase to send more information and I have submitted information each time. As of XXXX XXXX they sent me a document which I am attaching stating there was no billing dispute. The issue is about " Services not fulfilled. I did  receive about 14 % of the coaching services and reduced the dispute to {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: Self Lender Inc
State: MI

Complaint narrative:
Self lender failed to withdraw the XXXX payment from my account. So I was 30 days late. That was the ONLY time that I was late. I then closed the account and paid it. They have now listed that I was 30 days late TWICE on my reports, which is inaccurate. They have failed to correct said innacurate information now after I disputed it with the cras it has tanked my score by 60 points.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX  failed to withdraw the XX/XX/XXXX payment from my account. So I was 30 days late. That was the ONLY time that I was late. I then closed the account and paid it. They have now listed that I was 30 days late TWICE on my reports, which is inaccurate. They have failed to correct said innacurate information now after I disputed it with the cras it has tanked my score by 60 points.

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 2019-01-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: HI

Complaint narrative:
Turned in Honda at end of lease. Honda did not ask for any payment/ turn in fee nor notify me that any payment would be due. XX/XX/XXXX, I receive this " Lease End Statement Details '' letter which states " per your request ... ''. I did not request a lease end statement details report, so I set the letter aside and did not take action. Because I did not request any such letter ( unlike it stated ) I assumed it was a fraudulent document, as it did not look official and did not include a payment slip or envelope. The letter stated there was an amount of {$360.00} due. If there was an amount I did owe, I expected the Honda dealer to collect the payment from me at the time I turned in the car, or send me a bill that looked similar to all my lease payment statements, that I could then pay. I never received any additional correspondence or Bills from Honda. I notice my credit score dropped dramatically and after requesting my credit report, see that Honda had sent this outstanding balance to collections. Aside from the attached letter, I did not receive any formal bill or notification that I owed this turn in fee. I am more than willing to pay anything I owe, but expect to receive a statement with bill pay slip. I will be calling Honda tomorrow, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX, USAA I have submit a fraud claim of multiply transactions. USAA i declined the fraud claim due to the illegal activity using my address. I believe that these charges should be credited back to my account. USAA is violating t 15 U.S.C. 1601 et  seq. Especially, the provisions Charges not actually made by the consumer Charges in the wrong amount. 
Charges for goods or services not received by the consumer Charges for goods not delivered as agreed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I Have been trying to pay this card off. Have alot of debt. No income, being asked to pay what i dont have. There has been no compromises.

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 2019-01-03 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: FL

Complaint narrative:
From my experience, Experian is no good credit bureau agency. They keeps changing the dates of old debts, doesn't investigate correctly. I keep disputing and nothing changes. I am requesting that XXXX  deleted XXXX XXXX XXXX account, XXXX XXXX XXXX account, XXXX XXXX XXXX account of my credit report.

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 2019-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: GA

Complaint narrative:
NELNET IS A STUDENT LOAN COMPANY. THEY ARE REPORTING THE SAME DUPLICATE ACCOUNT ON MY CREDIT REPORT OVER 10 TIMES. I ONLY HAVE ONE ACCOUNT WITH THEM BUT THEY ARE REPORTING THE SAME ACCOUNT OVER 10 TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: MO

Complaint narrative:
This company came up on my credit report. Then I received a letter from this company in XX/XX/2018 after it was noticed on my credit report.I have no contract with this said creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed Bankruptcy and included my XXXX XXXX XXXX credit card. The debt was discharged but XXXX   XXXX XXXX sold the debt to XXXX XXXX XXXX. I have provided both companies with proof of my discharge and their debt and XXXX XXXX XXXX  is listed as a discharged by the U.S bankruptcy court, but they refused to remove it and are constantly trying to collect a debt that has been discharged.  that's illegal -- I have included proof that my bankruptcy was discharged and XXXX XXXX XXXX is listed in the paperwork **XXXX XXXX XXXX is showing collection charge off, but they were paid. I have included proof to show my balance was paid

Company response to consumer: Closed with explanation