vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
I made a HELOC mortgage years ago and while i was a resident of the US since XX/XX/XXXX i thought i understood what the terms were however after 10 years i learned the entire principle amount of over {$40000.00} was due. This was in XX/XX/XXXX. From that time until right now i have made a payment each and every month to lenders ( or debt collector may be a more accurate phrase ) servicing this loan. I even reduced the principle over {$10000.00} during that period. On XX/XX/XXXX i applied for a new mortgage and was very surprised to learn i was declined and can not buy a new house because the company reporting the loan which was the HELOC is reporting me well over 90 days late each month for almost all XX/XX/XXXX and back prior. I do not see how this is fair that i make payments to them in amounts they ask and yet they show me very late- to the point of not being able to buy a house for me and my XXXX children ( i am a single mother ). The company reporting these tales which cost me my new loan is Real Time Solutions and now it is sent to XXXX XXXX XXXX point and they too show tales.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, I have been trying to reach experian regarding misinformation they have on my account. I had a loan XXXX XXXX which I have paid in Full. For some reason Experian is telling XXXX and other credit cards I have not paid that and is still showing my bankruptcy from XXXX. I have tried to call experian multiple times on this matter. I have tried getting this done over the past few months. I was on the phone with them and XXXX back and fourth today for over 2 hours. Today 's date is XX/XX/XXXX. 

I just wan na fix these inaccurate information on file.

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 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This issue is in regards to the business account that was opened in XX/XX/XXXX. The company responded that I am not eligible for the bonus but at the same time honored the bonus to my friend. Please see attachment. 

I opened a business checking account at a Wells Fargo branch using the offer code that was sent to me on XX/XX/XXXX and had met all the requirements as of XX/XX/XXXX. According to the terms and conditions, I would get the bonus within 30 days after meeting all offer requirements. I have tried to contact the bank directly and still have not received the bonus yet. I have attached the supporting documents in this complaint for you to review.

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 2019-03-22 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: U.S. BANCORP
State: CA

Complaint narrative:
I have paid the account in full before XX/XX/2019. The credit reports shows I owe them. This is NOT the first time. It has happened every time with this credit card company.

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 2019-03-22 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: CA

Complaint narrative:
During the week of XX/XX/2019, I contacted the credit inquiry companies that had no authorization to inquire, with little success. 

In XX/XX/2019, I contacted credit reporting agencies to remove the unauthorized inquiries to no avail. No unauthorized inquiries were 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 2019-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
XXXX XXXX ( a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. ) is not delivering my monthly Lease Statements by mail. I have called their customer service number at least five months in a row ( most recently speaking with XXXX in the " Executive Office '' ), and they still have not resolved the problem. I have received other mail from XXXX XXXX, but not my monthly Lease Statements. Each time I speak with them, they say they have resolved the problem, but that is never correct, as I still have not received my monthly Lease Statements by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: USCB Corporation
State: MD

Complaint narrative:
THIS IS MY SECOND COMPLAINT FILED! I have never heard of this school and they are trying to make me pay for a loan that I didn't sign up for. I have never attended any of these classes. please show proof or remove from my 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 explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I'm responding to case number : XXXX with Capital one credit card services. I tried numerous attempts to rectify the matter. Only to be ignored without the proper investigation. This debt was settled over 5 years ago as settlement in full for lesser amount. The representative that took my payment in XXXX agreed to remove the charge off status from all three major credit bureaus since the account wasn't sold to a 3rd party agency, since the account remained in Capital one collection Dept.  Okay..for years as agreed the charge off was removed from my credit report. Well ... .here we are in XXXX, I recently filed Chapter XXXX and was discharged. As of XX/XX/XXXX, " Charge off '' status was update on the account from Capital one. Knownly, that I'm trying to establish myself, this account reflects negatively on my credit report. This debt is scheduled to be removed from my credit reports XX/XX/XXXX. I need this matter updated correctly immediately. I mailed 2 separate letters Capital one dispute department and my last letter, I went as far as addressing it to the president of the company. The out come of the investigation, Capital One said they will not update my report because it's reporting accurate, and since the account was in default at the time of payment they aren't obligated to make any adjustment. They are wrong on so many levels, they need to pull the tape with me and the representative in XXXX to validate my claim and honor the promise of removal of " charge off status ''. I'm so disgusted that I also contacted XXXX and file a compliant today complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Received a notice from my new monitoring service regarding an account from XXXX XXXX XXXX in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$2500.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.

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 2019-03-22 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: CA

Complaint narrative:
I have paid the account in full before XX/XX/ 2019. The credit reports shows I owe them. This is NOT the first time. It has happened every time with this credit card company.

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 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
My husband died. He owned the account and I am an authorized user. I am owed a credit of XXXX from a credit on the account and am also owed XXXX in rewards money. I have sent a copy of the death certificate which they acknowledged receiving and now say they don't have. I also sent a copy of the will with a request for payment which they said I would receive this billing period. All I got was a statement showing tge credit I'm due. When I called this time they said they don't have the death certificate and didn't know the person I spoke to previsouky. All I want is what I am owed and I getting the run around. Thank you! 
I spoke with the company in XX/XX/XXXX and XX/XX/XXXX. It's a XXXX master card that has been paid in full every month since we've had it.

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 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
I was notified by First Bankcard that my account was closed due to delinquency reports on my credit report. This report was an incorrect report that has since been corrected. See attached letter to confirm.

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 2019-03-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: URS Holding, LLC
State: OK

Complaint narrative:
I called the US Department of education in regards to my student loans they advised me it was handled by an outside collection agency. I contacted An agency called Al.Tran Education. I have no problem paying back my student debt as i am making low monthly payment. If i had realized i had option to pay back my loans i would of done it in the beginning. The negative effect of the late payments being on my credit report has but a strain on my ability to apply for loans and apply for credit as needed. This also has placed a financial burden on my ability to live. I have contacted Obudsman Case # XXXX in regards to asking for a good will in having the late payments of my credit report removed and was advised they do not do a goodwill removal of late payments. I am asking for a fresh start to move forward as negative payment information will stay on my reports until 2023 at the latest. i have attached my payment agreement with Alltran education for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent an investigation request to Equifax on XX/XX/XXXX, and they haven't responded yet with the results. They were supposed to respond in 30 days, but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: CA

Complaint narrative:
During the week of XX/XX/ 2019, I contacted the credit inquiry companies that had no authorization to inquire, with little success. 

In XX/XX/, 2019, I contacted credit reporting agencies to remove the unauthorized inquiries to no avail. No unauthorized inquiries were 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 2019-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Utah System of Higher Education
State: UT

Complaint narrative:
My wages are being garnished by UHEAA already and therefore, I have little money to actually live on. They have begun calling my work and I am not allowed personal calls at work. I have told them that twice now and the gentleman I spoke with today, XXXX, said they would continue calling my work because I am not on an approved payment plan. I told them they can email me, write me letters and call my personal phone all of which they have and he said they will continue to call my work. 

I can not currently try to get on a payment plan because they are taking so much money I wouldn't be able to support myself and my son having to pay both for six months. If I get fired from my job, I will be unable to work and pay them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: CA

Complaint narrative:
I have been having an issue with XXXX refunding the amount of {$770.00} back to my account after a few unauthorized transactions were made from XX/XX/XXXX through XX/XX/2018. XXXX did not complete thorough investigation with the transactions history and the use of my card. There were three fraudulent transactions that were approved on my account to XXXX on XX/XX/2018 in the amount of {$370.00}, XX/XX/2018 in the amount of {$32.00} and XX/XX/2018 in the amount of {$360.00}. I sent in all my information and police report of the identity theft incident that occurred. Please help me in getting my money back for I have been dealing with this coming up on a year. If there is anything else that is needed please contact me by phone or email. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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 — Investigation took more than 30 days
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
I went on training on XX/XX/2018 and returned home in XXXX told the loan company i was in training and cant log on to bay my loan until i get home, my credit score went from a XXXX to a XXXX and they refuse to remove the marks from my account i have email trails

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 2019-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have disputed this alleged account they failed EVIDENCE BEARING MY SIGNATURE VERIFYING THE ACCOUNT AND HAS FAILED TO RESPOND IN 30 DAY PERIOD AS REQUIRED BY LAW A THEY STILL REPORTING WITHOUT PROPERLY DISPUTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Regional Processing Services
State: FL

Complaint narrative:
Narrative : XXXX on XX/XX/2019 - A woman called out of the blue my former mobile number XXXX and threatened me with a lawsuit for check fraud/ bank fraud at the XXXX XXXX XXXX in Texas. She called from a blocked number where the code on the caller ID appeared as XXXX. She first identified herself as XXXX XXXX and left on voicemail a case file number XXXX. She threatened to track me down at my place of employment and demanded I return her call at XXXX. 

XXXX on XX/XX/XXXX, XXXX XXXX XXXX called to threaten me with lawsuit and to track me down at work. She said I would be found and a lawsuit will be filed at XXXX XXXX XXXX if I dont comply with payment left Case file # XXXX. 

XX/XX/XXXX & XX/XX/2019 family friend XXXX XXXX in XXXX, Ky received calls from XXXX XXXX threatening him with jail time and that XXXX XXXX would be sent to his home and implement himin a case against me. Calls were also left on his voicemail. 

XXXX XXXX XXXX  on XX/XX/XXXX, XXXX Debt payment demand letter received via incoming email : XXXX from Regional Processing Services , LLC . Address XXXX XXXX XXXX XXXX, California XXXX Tel : XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX but identities herself on voicemail as XXXX XXXX XXXX XXXX about settlement document sent on XX/XX/XXXX demanding {$1300.00} paid by XX/XX/XXXX. She left phone number XXXX EX XXXX. She called from XXXX. 

Regional Processiong Services, LLC also identified itself over phone as XXXX XXXX XXXX XXXX XXXX. Has refused to validate company contact information such as address and email address, and did not provide a website. XXXX XXXX does not appear on my credit reports. XXXX XXXX has refused to provide original debt verification letter and document verification show right to pursue debt. Refused to provide verifiable information about how my contact information was obtaind. XXXX XXXX failed to notify me that I have the right a verify debt. How to disput debt. Refused to state actual amount owed and proof. XXXX XXXX didnt notify me that I have the right to have the debt sent back to the original creditor for debt verification.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been the victim of identity theft and my information has been used to obtain serves several times in the past without my knowledge. These three accounts were already been addresses with years ago as identity theft but now a new company has put them on my credit they are not mine. The accounts are : 1.  XXXX XXXX Account # XXXXXXXX ( XXXX {$1000.00} ) 2. XXXX XXXX Account # XXXX ( XXXX {$970.00} ) 3. XXXX XXXX Account # XXXX ( XXXX {$970.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 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: VA

Complaint narrative:
I was in the market for a home last year. There is usually a grace period of 45 to 60 days where your credit is being pulled to compare rates and offers with multiple lenders. The point is to not have every individual hard pull affect your credit score This was not the case for me, in some reports I have about 7 to 9 hard  inquiries all within this span that should not have counted as individual checks on credit. 

I want to have these removed and the negative hit fixed from 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 explanation
Consumer complaint received 2019-03-22 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
FROM XXXX THRU XXXX CHASE BANK PURPOSELY ALLOWED MY CREDIT LIMIT TO BE EXCEEDED. THEY BEGAN COLLECTING FINANCE CHARGES ON THE HIGHER BALANCES. WE USE THIS CARD FOR MY BUSINESS AND THEY DECIDED TO RANDOMLY TURN OFF THE SPENDING ACCESS TO THE CARD AND NONE OF OUR VENDORS ARE BEING PAID. THIS IS A FRAUDULENT WAY TO FORCE UP BALANCES AND THEN HAVE YOU STUCK WITH A LIABILITY OVER THE ORIG LIMIT MAX AND BE STUCK WITH A MASSIVE DEBT LOAD AND NO OPTIONS TO PAY IT DOWN DUE TO THEIR UNETHICAL CREDIT CARD PRACTICES ( WE HAVE NEVER HAD ANY LATE PAYMENTS IN OVER A DECADE )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I went on training on XX/XX/2018 and returned home in XXXX told the loan company i was in training and cant log on to bay my loan until i get home, my credit score went from a XXXX to a XXXX and they refuse to remove the marks from my account i have email trails

Company response to consumer: Closed with explanation