vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express w as contacted on   X/XX/17  to dispute a transaction made for {$170.00} on   X/X/17      as the replacement device I paid for had not  been received from  XXXX   XXXX . On   X/X/17   I contacted Amexto on the status of the dispute and to confirm that my documents were received. At that time I was informed my claim was closed but reopened o n  X/X/17 . H owever the supervisor went on to say he did n't see it open in another system. He was concerned and was unsure. He stated that he would need to contact disputes and that someone would get back to me. I told him I had a concern with the information pertaining to the date as it causes a conflict on when the dispute started. Although I did not receive any contact on my reason for calling. I did receive an email  on  X/X/17  from Am  ex stating  my dispute documents had been received and that I would receive a response on the dispute no later than 45 day 's from the date they were notified. On   X/XX/17   I contacte d Amex ag ain and spoke with "  XXXX  '' ( another supervisor ) after clarifying with the agent who answered that the claim did start o n  X/XX/17  also  verified by the supervisor. As he stated the claim should n't have been closed in error and that we were on th e 47th day. He apologized and had no further answers on the matter. Stating he would contact disputes again  as there was n't an error by  Amex and  he would do what he could to get it resolved quickly No solid answer has been given to me. An email was sent to disputes o n  X/X/17  r equesting information on the dates that they have in regard to the dispute. However it has gone unanswered. The company in question has since cancelled all consumer policies due to massive complaints for non received devices, incorrect devices, or flat out broken ones. I am unclear on how  Amex handles its disputes or when they began mine. But customer service can not assist and I can not personally call disputes. After purchasing a new device Amex is not assisting in manner professional as  this causes financial hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
I have disputed this account twice and requested validation not verification of this account. I just keep receiving a bill with my name and balanced owed. I have no knowledge of this account and requested my signature on documents that obligates me to pay the bill. I also requested delinquency date for this account as it has bee n RE  AGED several times without notice to me. Im requesting that they send me the requested information or delete the account from all  XXXX  credit bureaus immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: PA

Complaint narrative:
In  XXXX , I was unable to submit a dispute through Transunion online due to an online dispute that was already in progress so I mailed them the dispute. I disputed the same information with   XXXX   because whatever the debt is it does not belong to me and have no idea what it is doing on my credit report. First the transaction showed as closed with a balance due now it shows as open with Transunion.  XXXX  complete their investigation in a little over 30 days but deleted the same information I am arguing with Transunion over. I have called the company and I get no where at all with getting information about this  XXXX  I supposedly owe. They say its  XXXX  I say ok send me the information and they hang up on me or try to get me to pay it.. I go to submit a dispute again to Transunion and again there is an error message on their website but this time I have no other disputes open. I have called Transunion about their website disputes issues and get put on hold bounced around and eventually disconnected.

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 2017-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I mobile deposited a check from   XXXX   XXXX   dealership for  XXXX . The check was deposited in my account on  XXXX / XXXX /  XXXX  . The check was drawn on   XXXX   XXXX   of   XXXX    va. The check was then withdrawn from my Pentagon federal credit union account on  XXXX / XXXX /  XXXX   for duplicate deposit. I 've contacted both banks and the issuer and keep getting the run around. The check was apparently deposited in  XXXX  accounts. My car was stolen and the check was in my vehicle glove box at the time of the theft. Please 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 explanation
Consumer complaint received 2017-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing this complaint against TransUnion. I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed 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 2017-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My credit card company,  USAA canceled their contract with Mastercard and began a new contract with Visa  sometime around   XXXX   XXXX   XXXX    . As a result, they canceled my  USAA Mastercard and sent me a new USAA Visa credit card. My Mastercard had been enrolled in autopay for many years. When USAA sent me a new Visa card, none of the services associated with the old card transferred to the new card and there was no   correspondence from them to warn me of this. So I assumed that I was still enrolled in autopay. In   XXXX   XXXX   XXXX     I noticed a late fee on my bill, not something that I was accustomed to seeing with the autopay, so I contacted them. They told me that I was delinquent and that they had reported me to a credit agency. I thought this was inappropriate, so I began the dispute process with USAA on   XXXX   XXXX   XXXX    . My dispute was denied.  I still ca n't believe I was treated this way by USAA, who is usually very good to it 's customers. To this day, my credit score is affected negatively by their failure to communicate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied and was approved for a Citi  XXXX   XXXX   XXXX . On the day I received my card in the mail, I also received a letter from  Citi  stating " We 're concerned about potentially suspicious activity on your ... '' It also states " We tried to call you to verify these transactions, but did n't reach you. '' Obviously the card was never activated and Citi never tried to call me. The letter asks me to call. I contact  Citi  and ask them to close this account. They attempt to verify my identify using my cell phone number, then my land line, and finally my work phone number. The Citi representative states they will call my work phone number, leave a code, and to call them back. I waited a day or two, having never received a call to my work line, and call them back. I go through the same process of attempting to verify my phone numbers and again do not receive a call from them.  Three to four  weeks later, on   XXXX  , I call and again go through the same phone number verification process only this time the Citi representative states that I will receive a call from a supervisor. I have spent roughly 1.5 hours on the phone with Citi representatives trying to close an account I never used. Unacceptable!!!

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 2017-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I found out in a credit report someone opene d a CBNA  credit card under my name and social security, and using it. It was opened back in  2012,  and since then accumulated amount of {$5700.00}.   I have not received any statements, balances, calls or warnings form anywhere, so it must be that somebody is involved in identity theft.   I have not heard of the existence of this card or debt until I applied for mortgage, and the mortgage agent notified me about this suspicious card and activity.

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 2017-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Over the course of the loan which has been o ver ten years  customer service only give information about deferment and forbearance. I found out about income base repayment plans from a coworker. I have been a   XXXX   XXXX  in  XXXX   XXXX   for over  tw  enty years and no one ever told me about the student loan forgiveness program until I learned about it two years ago from a  coworker.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: MO

Complaint narrative:
I am filing this complaint against  XXXX . I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing this complaint against  XXXX  I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed 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 non-monetary relief
Consumer complaint received 2017-05-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Long story short ... 5 months to close construction to close loan. Explained via e-mail about the changes in the disclosure from original conversation/agreement. Closed today,  XXXX   XXXX . They decided shortly after the closing that the disclosure and payout were actually incorrect. The bank and title company want the moneys returned from every one ( title   company and builder/seller ) and a new closing. The title company called and told our builder that they would have them arrested if they did not return the money n ow ( today    XXXX   XXXX   XXXX ! ( I have the recording ). In light of this the bank agrees to use another title company but they say no we have to re-visit the loan and the disclosure and sign again. We just want our money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-13 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To whom this  may  concern  I   XXXX   XXXX  sent a certified letter and fax to  XXXX  and  XXXX  on      XXXX   XXXX   2017. Th e letter was a paid for deletion to the company   XXXX   XXXX   XXXX   XXXX   XXXX  .  Current Creditor  : LVNV Funding LLC. the account was sold by   XXXX   XXXX   XXXX  . This letter stated that if the company agreed to cash the check that all the credit bureaus would delete collection off file the amount was  XXXX . I spoke with a  manager at th e company  LVNV and  he stated it would be removed.   XXXX   has deleted the collection from file but  XXXX  has n't. Also   XXXX   XXXX   is reporting the account inaccurate the account is paid so it looks like there are  two  charge-off on my credit. The only action that was taken by  XXXX  is the collection has  a   XXXX    b alance when it should be deleted per the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: FL

Complaint narrative:
To whom thi s may c oncern I  XXXX   XXXX  sent a certified letter and fax to Transunion and  XXXX  on  XXXX   XXXX    XXXX  . The letter was a paid for deletion to the company  XXXX   XXXX   XXXX   XXXX   XXXX  . Current Creditor  :  XXXX   XXXX   XXXX . the account was sold by  XXXX   XXXX    XXXX  . This letter stated that if the company agreed to cash the check that all the credit bureaus would delete collection off file the amount was  XXXX . I spoke with a  manager a t the company  XXXX  and he stated it would be removed.   XXXX    has deleted the collection from file but Transunion has n't. Also  XXXX   XXXX  is reporting the account inaccurate the account is paid so it looks like there are  XXXX  charge-off on my credit. The only action that was taken by Transunion is the collection has a  XXXX  balance when it should be deleted per the contract.

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 2017-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
several times I have made an attempt to resolve the issue that I was having with  NELNET  to no avail. this is about the third or fourth complaint that I have submitted and they purposely and continually refuse to acknowledge my request. recently I received an alert on my phone from privacy Guard letting me know that an account has been added to my credit profile through   XXXX   this was  XXXX / XXXX /  XXXX   so when I check it I see where an new account has been added by NELNET. They have re-aged an old account so it appears. I called  XXXX  the following day asking how can they allow these accounts to added to my credit profile while I have an fraud alert and an identity theft report concerning my credit profile but the woman stated it was n't appearing on their but I know that was false because it appears on my phone and my   credit score   has drop tremendously because of it. They have purposely and continually to violate the FCRA and the FDCPA. I recently been doing some studying about their closing ; so how is it are there continually to collect on student loans and thy are no longer open. I will be filling a suit in small claims if they refuse to verify and validate the debt but continue to report it on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I already have an OPEN complaint  XXXX  I have finally established the previous  XXXX  that was 'lost/held in limbo ' was due to an routing number error. Not my fault as I used the same mobile payment system as before. Anyway I s ince posted 3 payments in various amounts to check CITI 's payment processing system. So one p ayment for {$23.00} posted within a day of submitting - payment o f   XXXX   XXXX   posted  XX/XX/XXXX  is  as of today was still being HELD. After a lengthy phone call  to 2 ag ents I was informed it should clear by th e  XX/XX/XXXX .  Thats is absolutely ridiculous. Another  XXXX  posted   XX/XX/XXXX  apparently will clear  XX/XX/XXXX .  I do not understand why my card payments are not posted instantly and reflect in my available credit right away. I can understand  a 24hr  wait but days almost weeks is not acceptable.   I have asked them to call  XXXX  and release the  XXXX  ASAP which they are doing as I type. I am in  a 3 w ay call with my ban k and Citi and I am fumin g why if  XXXX  cleared my bank on th e  XX/XX/XXXX    Citi are  not posting it to my avail. credit. They assure me it wi ll ASAP . However why do I have to go through this process.. all because they say a payment was returned - it was n't returned  by my bank CITI returned it. I have now linked another bank just to see if that pr ocesses quicker but apparently not. I just want to establish how to CLEAR whatever issues they have so I can post my payments in future and they are debited against my card and credit within a reasonable time frame, preferably instantly. ( as did the {$23.00} I paid with the same bank and same mobile app ) THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northland Group Inc
State: IL

Complaint narrative:
I had a settlement agreement with  Northland Group  #  XXXX , ( A   XXXX   XXXX   account #  XXXX  ) I paid my debt and have cancel checks, and numerous of times since  XXXX     2015 have  call them to tell them to remove the outstanding balance from credit report because it shows outstanding. as of today they have done nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had a settlement agreement with  XXXX   XXXX  #  XXXX ,  ( A Capital One account #    XXXX  ) I paid my debt and have cancel checks, and numerous of times since  XXXX    XXXX   have call them to tell them to remove the outstanding balance from credit report because it shows outstanding. as of today they have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
My name is  XXXX   XXXX   XXXX , I ca n't get approved for a job or an apartment because my background check has someone else 's record. That person is my twin brother  XXXX   XXXX   XXXX . We both have different social security numbers. I only have  XXXX  covicton of   XXXX   XXXX      back on the disposition date :  XXXX / XXXX /   2012.       XXXX  and  XXXX  was  XXXX  company that went through    XXXX   XXXX  s back  ground for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX of 2010 I filed for Chapter XXXX Bankruptcy. I had XXXX tax liens at the time for {$250.00} and {$3400.00} respectively. These tax liens were covered and paid through the bankruptcy. The Bankruptcy has dropped from my credit report but the tax liens have not. The tax liens report as released - but Equifax and XXXX have both responded to my disputes saying the information is accurate. It 's my understanding that the tax liens should drop 7 years from the file date once paid or if paid through Chapter XXXX bankruptcy - when the bankruptcy is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Medical 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: Bonneville Billing and Collections
State: OR

Complaint narrative:
On  XXXX   XXXX ,   XXXX   in the evening, a collector came to my parent 's address in  XXXX  Idaho. I no longer live in the state, and stated that I was being sued due to a debt that I owe. The collector stated it wa s for Bonneville Collections. The collector shared my name and personal information with my parents and asked wher e I was and was living now. I feel this violates many laws and regulations set out and my privacy rights and was very unprofessional. I have had no knowledge of this debt.

Company response to consumer: Closed with explanation