vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 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: FIRST HERITAGE CREDIT LLC
State: TN

Complaint narrative:
Prior to paying off account XX/XX/2019 the payment history reflected on my credit report showed current and on time for the entire year. 

After paying the account off in XX/XX/2019 through their online portal, the balance owed showed {$0.00} and I know longer had access to the portal. 

XXXX came around and it showed a 30 day late on my credit report for XXXX, but the account had been paid in full prior to XXXX. I contacted the lender and the branch manager assured me the issue would be taken care of, but I would have to wait 30 days until they report to the bureaus again. Throughout this scenario I had made it clear to the lender that I am in the process of refinancing my home and need the corrections to be made ASAP. 

XXXX XXXX the update reported and instead of removing the error First Heritage went back and added 8 late payments to the account. After the dispute with the branch manager I had deemed it as some form of retaliation to affect the refinance of my house. 

I later met with the District Manager at the office and have the entire conversation documented. He stated that the errors are to do with the companys system issues. The first error that caused these chains of events was XXXX cents in interest that they stated they forgave. The manager said that even though the online portal showed the account paid in full I should have known there was a XXXX cent balance even though their system showed otherwise. He stated that he would contact the credit department to remove the late payments, He stated that they would not remove the late payments which is in their own discretion and suggested that he will discuss with the companys attorney to remove the account. He stated that the attorney stated that according to FDIC they could not remove the account from my credit report which I instantly knew that was not true. 

Imagine refinancing your house, your personal dwelling, and in the process of paying accounts off completely to be Debt Free a company feels the need to attempt to strip the entire process away. Imagine the stress that has been experienced through this month not knowing if I will lose my house because paying off a loan has backfired to the extreme due to this companies systematic errors. I have attempted to reach out to this lender but have received nothing but prolonged responses and disrespect. I am hoping to have this issue resolved to avoid reaching out to an attorney for damages. 

First Heritage Credit XXXX XXXX XXXX XXXX, TN XXXX District Manager : XXXX XXXX XXXX XXXX first-heritage.com

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Never use a Capitalone360 checking or savings account. Now all my money is blocked, in brunch on the phone, a blatant woman explained to me that I have a lot of claims transactions. I was given dispute credit more than I have money in the bank. What? I looked at the statements for the last year. What fake information she gave. I have more than a few thousand more of my money in a savings account. You can close my accounts but give me my money. People without education who really know nothing about banking work there. Very soon I need to contact a lawyer, and try them for the fact that they illegally held my money. They dont care what can be, I dont have money for what to live? What to buy products and pay for a credit card? This is the first time in my life when I had such a story.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: U.S. BANCORP
State: NY

Complaint narrative:
Fidelity Rewards Credit Card, issued by Elan Financial Services issued a duplicate credit card for my account to an unauthorized individual in another state. I caught it and informed them ; I was forced to get a new card. Fidelity ( Elan ) has made security on my account so tight, I gave up using it and attempted to close the account. Balance is XXXX ; I requested the account be closed on XX/XX/XXXX ( sent to the Office of  the President @ Elan ). I have not received a response. I sent an email to XXXX XXXX, CEO of Fidelity as well as XXXX XXXX, Head of Customer Core Journeys. I did not receive a response. I then emailed XXXX XXXX, CEO of Parent of Elan, US Bank Corp. and XXXX XXXX, Senior VP @ US Bank Corp. and. I haven't received a response.

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 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion claimed that I was signed up for a credit reporting service. It was not clear in their contract language that I was actually signing up for a monthly service. I thought I was just getting a one-time credit report from them. When checking my credit card report this month, I noticed that Transunion had been charging me XXXX a month XXXX XXXX after tax ) for a monthly credit report since XX/XX/XXXX. I called them on XX/XX/XXXX to cancel the service immediately. 

Transunion agreed to give me a partial refund of 5 months XXXX XXXX - XXXX XXXX and cancel my account. I wanted a full refund, but they refused to give this. Initially they were only offering a three month refund, but made an exception because I asked to speak to a manager. However, since I paid for 8 months of this service unknowingly, I was not satisfied with 5 months of refunds. 

I never used the service that was associated with transunion and the basis of this complaint is that it was not transparent that I was signing up for a monthly service. Also, I received no direct written or electronic communication with transunion after the trial period began. This was obviously effective in keeping me unaware of the fact that I was being charged a subscription fee.

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 2019-07-29 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: TN

Complaint narrative:
Prior to paying off account XXXX of 2019 the payment history reflected on my credit report showed current and on time for the entire year. 

After paying the account off in XXXX of 2019 through their online portal, the balance owed showed {$0.00} and I know longer had access to the portal. 

XXXX came around and it showed a 30 day late on my credit report for XXXX, but the account had been paid in full prior to XXXX. I contacted the lender and the branch manager assured me the issue would be taken care of, but I would have to wait 30 days until they report to the bureaus again. Throughout this scenario I had made it clear to the lender that I am in the process of refinancing my home and need the corrections to be made ASAP. 

XX/XX/2019 the update reported and instead of removing the error XXXX XXXX went back and added 8 late payments to the account. After the dispute with the branch manager I had deemed it as some form of retaliation to affect the refinance of my house. 

I later met with the District Manager at the office and have the entire conversation documented. He stated that the errors are to do with the companys system issues. The first error that caused these chains of events was XXXX cents in interest that they stated they forgave. The manager said that even though the online portal showed the account paid in full I should have known there was a XXXX cent balance even though their system showed otherwise. He stated that he would contact the credit department to remove the late payments, He stated that they would not remove the late payments which is in their own discretion and suggested that he will discuss with the companys attorney to remove the account. He stated that the attorney stated that according to FDIC they could not remove the account from my credit report which I instantly knew that was not true. 

Imagine refinancing your house, your personal dwelling, and in the process of paying accounts off completely to be Debt Free a company feels the need to attempt to strip the entire process away. Imagine the stress that has been experienced through this month not knowing if I will lose my house because paying off a loan has backfired to the extreme due to this companies systematic errors. I have attempted to reach out to this lender but have received nothing but prolonged responses and disrespect. I am hoping to have this issue resolved to avoid reaching out to an attorney for damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX District Manager : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Prior to paying off account XX/XX/XXXX9 the payment history reflected on my credit report showed current and on time for the entire year. 

After paying the account off in XX/XX/2019 through their online portal, the balance owed showed {$0.00} and I know longer had access to the portal. 

XXXX came around and it showed a 30 day late on my credit report for XXXX, but the account had been paid in full prior to XXXX. I contacted the lender and the branch manager assured me the issue would be taken care of, but I would have to wait 30 days until they report to the bureaus again. Throughout this scenario I had made it clear to the lender that I am in the process of refinancing my home and need the corrections to be made ASAP. 

XXXX XXXX the update reported and instead of removing the error XXXX XXXX went back and added 8 late payments to the account. After the dispute with the branch manager I had deemed it as some form of retaliation to affect the refinance of my house. 

I later met with the District Manager at the office and have the entire conversation documented. He stated that the errors are to do with the companys system issues. The first error that caused these chains of events was XXXX cents in interest that they stated they forgave. The manager said that even though the online portal showed the account paid in full I should have known there was a XXXX cent balance even though their system showed otherwise. He stated that he would contact the XXXX department to remove the late payments, He stated that they would not remove the late payments which is in their own discretion and suggested that he will discuss with the companys attorney to remove the account. He stated that the attorney stated that according to FDIC they could not remove the account from my credit report which I instantly knew that was not true. 

Imagine refinancing your house, your personal dwelling, and in the process of paying accounts off completely to be Debt Free a company feels the need to attempt to strip the entire process away. Imagine the stress that has been experienced through this month not knowing if I will lose my house because paying off a loan has backfired to the extreme due to this companies systematic errors. I have attempted to reach out to this lender but have received nothing but prolonged responses and disrespect. I am hoping to have this issue resolved to avoid reaching out to an attorney for damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX District Manager : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Prior to paying off account XX/XX/2019 the payment history reflected on my credit report showed current and on time for the entire year. 

After paying the account off in XX/XX/2019 through their online portal, the balance owed showed {$0.00} and I know longer had access to the portal. 

XXXX came around and it showed a 30 day late on my credit report for XXXX, but the account had been paid in full prior to XXXX. I contacted the lender and the branch manager assured me the issue would be taken care of, but I would have to wait 30 days until they report to the bureaus again. Throughout this scenario I had made it clear to the lender that I am in the process of refinancing my home and need the corrections to be made ASAP. 

XX/XX/2019 the update reported and instead of removing the error XXXX XXXX went back and added 8 late payments to the account. After the dispute with the branch manager I had deemed it as some form of retaliation to affect the refinance of my house. 

I later met with the District Manager at the office and have the entire conversation documented. He stated that the errors are to do with the companys system issues. The first error that caused these chains of events was XXXX cents in interest that they stated they forgave. The manager said that even though the online portal showed the account paid in full I should have known there was a XXXX cent balance even though their system showed otherwise. He stated that he would contact the credit department to remove the late payments, He stated that they would not remove the late payments which is in their own discretion and suggested that he will discuss with the companys attorney to remove the account. He stated that the attorney stated that according to FDIC they could not remove the account from my credit report which I instantly knew that was not true. 

Imagine refinancing your house, your personal dwelling, and in the process of paying accounts off completely to be Debt Free a company feels the need to attempt to strip the entire process away. Imagine the stress that has been experienced through this month not knowing if I will lose my house because paying off a loan has backfired to the extreme due to this companies systematic errors. I have attempted to reach out to this lender but have received nothing but prolonged responses and disrespect. I am hoping to have this issue resolved to avoid reaching out to an attorney for damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX District Manager : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient is charging customers an extra 10 days of interest on loans being paid ELECTRONICALLY over the phone. The only time Navient states to collect extra interest fees is if payment is MAILED.  After payments are processed and updated retroactively to DATE paid over the phone, Navient is NOT returning the entire 10 days of extra interest paid on SEVERAL loans. It is fraud, deception, and corruption! 

Also, once a loan is paid in full, a customer is UNABLE to retrieve any history of the loans online. The customer service reps will repeat the same over the phone. I want a COMPLETE history of ALL of my loans with Navient and all information transferred over from Sallie Mae. I was not granted the request of all history from origination dates. Navient is corrupt and makes things very muddy and customers are NOT afforded honest transparency. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX or XXXX Original Creditor : Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: TX

Complaint narrative:
I am furious first as this is a ongoing issue with Equifax. You prove why things is not supposed to be on your credit report and Equifax removes it then place it back on your credit report a year or so later when they think you have forgotten about it. This has happened THREE times already regarding having XXXX XXXX XXXX on my credit report. I have 2 old unverified collections that has once again popped up on my credit file under Collections. If you refer back to Complaint ID # XXXX dated XX/XX/XXXX and Complaint ID # XXXX dated XX/XX/XXXX. All collections from this debt collector who I have no dealings with has been REMOVED. EQUIFAX ALSO STATED IN THERE RESPONSE IT WAS REMOVED AND NO LONGER ON MY CREDIT REPORT. As I requested my credit file via mail and it was sent XX/XX/XXXX. I see the same collections back on my file. Like who do I sue at this point?????? Are we gon na keep blaming it on this constant breach there having ruining people 's lives????? I also disputed 13 inquiries which are still showing that I did not authorize. This is a headache and extremely stressful. I did file the breach claim as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is continuing to report a XXXX collection account in the amount of {$850.00} against my credit even though XXXX notified Equifax on XX/XX/2019 to remove the account since they are no longer handling the matter as they state in the attached XX/XX/2019 CFPB response. 

On XX/XX/2019, I contacted Equifax customer service because the XXXX account was not removed. However, since Equifax has chosen to outsource their customer service to XXXX and not properly train their employees, the Equifax representatives do not have a grasp of the English language and can not comprehend anything other than the script the have before them. 

As such, I followed up the phone conversation by faxing Equifax a notice to remove the XXXX collection account with the supporting CFPB XXXX response. ( A copy of the facsimile notice is attached ). 

As of XX/XX/2019 Equifax continues to report the XXXX account. ( A copy of my Equifax credit report dated XX/XX/2019 is attached showing XXXX account ) As Equifax has been notified by both XXXX and myself to remove the XXXX account, Equifax is now knowingly and intentionally reporting false information against my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i have been making payments on my account with the maximum allowable amount. Capital One keep on holding funds even though it has been debited on my checking accounts from XXXX and XXXX. 
I don't understand why the hassle of having to call my bank to verify things. 
they always release it before why the hassles on my payments? 
it is like I am begging for my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IN

Complaint narrative:
For the past several months ( and for a year prior ) I have been attempting to have four loans ( loans 1,2,3 and 4 ) placed into forbearance due exclusively to a borrowers defense application against XXXX colleges. However, it seems difficult to place these four loans into the correct status. I have a total of fourteen loans with fedloan servicing and they have continually placed all loans, a few loans and the incorrect loans into the forbearance status. I had called them weekly to push to get this resolved. I have explained explicitly that I wanted loans 1-4 placed in forbearance and loans 5-14 placed into repayment. However, this was beyond their comprehension until XX/XX/2019 when I had to repeatedly be transferred to managers to handle a simple issue. I then find out that a loan was not ever included into the repayment and was left in forbearance. Not only has this been a huge waste of time and resources I have a charge of {$1800.00} in interest capitalization because they failed to place the proper and correct loans into the forbearance and repayment status. Even when speaking to first level employees and supervisors they repeatedly stated the only way to have this done is to keep ALL loans in a forbearance status even after I stated that I wanted to repay my loans and not accrue further interest charges. I feel like this is fraudulent and not in the best interest of the consumers/loan borrowers. Fedloan is not being held accountable for their actions and their divulgence of information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Santander opened an account in My name and reported it to the credit bureau, I never opened an account with them. I have never heard of them and there is no way they have any photo ID such as a drivers licence or other legal document that would be required to open such an account. This was opened in fraud, or they are committing fraud, but needs to be closed and reported as such.

Company response to consumer: Closed with explanation