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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
For the past couple of years have attempted to get XXXX XXXX deleted from my credit report. XXXX has been reporting 120 days late on my credit report since it was transferred to XXXX from XXXX. 

It states on my credit report from TransUnion that this item is to be removed by XX/XX/XXXX. ( A copy of this report is attached ). This item was removed from XXXX on XX/XX/XXXX, Account No XXXX and immediately put back on in XX/XX/XXXX I can not locate my TransUnion report for XX/XX/XXXX but the removal date was the same. Transunion showed that negative reporting began in XX/XX/XXXX to be removed in XX/XX/XXXX of last month.

This mortgage was paid and there is nothing due and owing. On another note since I began reporting this Transunion has deleted all my favorable credit and left me with just XX/XX/XXXX. My  XXXX XXXX that I purchased in XX/XX/XXXX no longer shows and a few more that were updated in XX/XX/XXXX and were paid in full XXXX XXXX showing never late was very helpful for potential creditor to view me favorably. 

Please look into this because XXXX and CAs refuse to assist me

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: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I received two letter one from transunion and one from XXXX   stating they placed a fraud alert on my credit file. I have not placed a fraud alert on my credit file. I don't want the one year fraud alert on my file. I looking to refinance a property and having a fraud alert could possibly hinder or make it more difficult to receiving financing. I would like the fraud alert removed as soon as possible.

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: 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Captial One continues to report old information on my credit report, and its so old and should be deleted.

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 — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
TD Card, XXXX  continues to report old information on my credit report. It should have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: MD

Complaint narrative:
Listen this form is leading toward NSM favor non regulated mortgage lender I sign my blue ink mortgage with XXXX XXXX XXXX XXXX XXXX XXXX  bought my mortgage on XX/XX/XXXX I am asking you to show me as part of trial evidence my CUSIP # and the PSA # I do have a CSA Court of Special Appeals case active # XXXX I did not give XXXX or XXXX permission to securitize and pool my home loan My loan was paid off in full and I demand lien release and reinstate me as owner on title The lower court orders summary judgment denied me my common law trial by jury rights and due process of law Local county Sheriff XXXX XXXX XXXX - did not have 4 point seizure warrant and used badge and gun intimidation to force me out of my home on XX/XX/XXXX I am stepping back on property this month I have been told by many agencies you are the end of the road and you can get the evidence I have been seeking and you will respond. 
I live in MD so DC just down the road so i wish to speak with you in person Lender Name CMC Central Mortgage Company XXXX XXXX XXXX XXXX   Loan/Account/Case/Other # XXXX Type of Loan - residential primary home mortgage I know what I am asking for and what I am looking for so any delay obstruction tampering will be on record Yes I have filed complaints with FINRA SEC FHFA OIG MD OAG CID - ETHICS - MD RE will be filling next week MD AGC attorney grievance commission

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an alert thru my credit monitoring that a Bankruptcy had been removed from my Equifax credit profile. I later received another alert with a Bankruptcy being inserted to my credit profile which plunged my credit score approximately 42 points! I called Equifax and the representative confirmed. Her name unknown ( couldn't understand her accent ). 
According to the Fair Credit Reporting Act, a consumer is supposed to receive notice of this act of Re-insertion of a prior Removed account by the CRA 's within 5 business days. It is XX/XX/XXXX and I still have not received this notice which I believe is a clear violation of federal law & my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I cashed a check with Chase back in 2015 and contacted customer service to verify that the check was not fraudulent. The customer service representative said that their was no issue with the check and the funds were in my account and available for withdrawal so I withdrew {$1500.00} assuming that they were correct and three days later logged in to my account to find out I had been charged {$12.00} and the {$1500.00} because the check was fraudulent.

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: Mr. Cooper Group Inc.
State: ME

Complaint narrative:
I processed a automatic payment on XX/XX/2018 for my XXXX mortgage payment. The subsequent statement indicated I missed that payment. As a result, I paid my XXXX mortgage payment a second time on XX/XX/2018. I then confirmed that my bank made the XX/XX/2018 payment electronically, and provided the credit trace number to Mr. Cooper on XX/XX/2018. It presents an unfair burden to a consumer to have to pay twice in order to avoid late charges and reports to credit agencies. It is also not reasonable that a consumer to have to call numerous times and wait weeks in order to get the issue resolved.

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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank made a business decision to close my cash back rewards card. They were supposed to mail me a check of my accrued cash back of {$1400.00}. They never did. I have called four times since XXXX each time I was advised it will take 7-10 business days. Today XX/XX/19 I called they stated the cash back I accumulated was not guaranteed to be sent to me. That was a balance that I accrued and during their decision to close my account which I am still paying a balance for them to send me what I have earned on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
I contacted the customer service department to request an updated escrow analysls be completed as I would like my monthly payment to be below {$950.00}. I have an escrow shortage, but with the interest on escrow that was just deposited, this partial escrow shortage payment will allow the payment to be below {$950.00} if reanalyzed. 

I was advised that I couldn't request this on the phone and that due to guidelines, it had to be a written request sent to them with signature and reason and that they can deny my request if they want to. I would like to know where in the RESPA guidelines it states that the request for an escrow analysis must be sent in in writing? No other mortgage company does this. 

This bank is one of the worst that I have ever had to deal with. It took them almost a year for me to be able to see my account online. I still cant make a monthly mortgage payment on their website, when calling in to make a payment, they opt to read a disclosure the size of a small novella ( I have never seen this with any other bank ), and now just a simple request to ask that my loan be re-analyzed requires me to spend my precious time to write a letter and send it to them! I am really disappointed and would like their upper management to be aware of this board complaint as it didn't have to happen.

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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a home mortgage loan with Wells Fargo. In 2014 the loan was modified and I had to go through a trial modification. I paid all the payments in the trial period on time. The payments were no late as it shows on the report. If they were late, my loan would not have been permanently modified. However the credit bureau reports show the payments during that trial period were late and it's hurt my credit rating. I've sent letters to Wells Fargo and to the three credit bureaus to correct this and nothing has changed. I should have good credit but it's not showing up since Wells Fargo has not changed status from late to paid on time.

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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
My Account with First Franklin is Paid In Full with a XXXX Balance. However, it is not reporting that way to all three credit bureaus. Also, during the time my account was open, hard inquiries were placed on my credit file instead of soft inquiries on XX/XX/XXXX and XX/XX/XXXX, in which nothing was signed stating hard inquiries would be placed on my credit file. The first original hard inquiry was on XX/XX/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 2019-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Santander Consumer USA approved a car loan for me in XXXX with a very high interest rate of 19 %. I have been struggling to pay the note sometimes but I manage to make the payments. Back in XXXX I went to work on a different job so I was making the monthly payment as well as sending an extra XXXX to XXXX a month when the months had 5 weeks. I was sending XXXX extra a week they were taking XXXX a week in interest and applying XXXX a week to the principal even though I had my monthly payments auto debited from my account each month. The extra XXXX a week I was sending was suppose to be going toward the principal. After I had sent XXXX extra dollars and couldn't get Santander consumer to put those extra payments toward my principal I stopped sending extra. I got laid off from my job in XXXX of XXXX. I started sending in XXXX a week to cover my car note as I was getting unemployment payments for XXXX a week. and XXXX a week for 4 weeks is XXXX which will cover my note of XXXX I am having problems getting them to apply those payments correctly each month. I sent XXXX for 4 weeks in XXXX which was to cover my XXXX payment but every time I call them they give me a story. Back in XXXX when I paid the extra XXXX they told me that even though I had maid the extra payments it did not guarantee me that my principal balance would go down so I asked them to refund my XXXX since it did not reduce my principal balance and they told me XXXX of the extra XXXX a week i was sending was going to interest at which the interest had been satisfied for the month because i was paying my monthly payment plus the extra each week while I was working a good job. Please help me get my money back or at least applied correctly

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what i was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. For yet another time, the following accounts are erroneous : XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$260000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX XXXX  ACC XXXX, Date Opened XX/XX/XXXX, XXXX Credit Limit {$3500.00} XXXX XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2600.00} XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00} XXXX XXXX  ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2000.00} Attached herewith are : 1. The dispute letter I sent to this company on XX/XX/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 2019-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I was given this card as a gift a while back, maybe a year or two ago probably in XX/XX/2017, from a friend. It was a $XXXX gift card. I tried to use it a few times and tried to activate it online a couple times without success. I was given a number to call but didn't have time to deal with it and the expiration printed on the card read XX/XX/XXXX, so I figured I had time.I called today and was informed that this card (number ending in XXXX) must be activated within 90 days of purchase or its value completely expires. Nowhere is this printed on the card and the expiry date on the card says "Good thru XX/XX/XXXX."The company, netSpend, refused to offer any monetary value. The woman on the phone would not hang up on me but put me on hold forever after telling me my card is worthless and has no value and anyone else at the company would say the same.I don't remember if there was even any packaging with the card, as it was inserted into a greeting card, a reasonable way for someone to pass on a prepaid card such as this.I feel that this company engaged in deceptive business practices. I would like the $XXXX value that my friend paid onto this card returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I closed out my mortgage loan with Selene Finance when I sold my former house on XX/XX/2018. I was told by the closing attorney that Selene Finance would send me a check for the excess money in my escrow account within 20 days of closing. Selene Finance has confirmed that there was approximately {$4000.00} in my account but they have not sent it to me, despite numerous attempts to contact them.

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: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company allowed me to go over limit ( which I didn't request or desire ) resulting in late charges and reporting to credit bureau. Only discovered the credit report issue today.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what i was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. For yet another time, the following accounts are erroneous : XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$260000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX XXXX  ACC XXXX, Date Opened XX/XX/XXXX, XXXX Credit Limit {$3500.00} XXXX XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} XXXX  ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2600.00} XXXX XXXX  XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00} XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2000.00} Attached herewith are : 1. The dispute letter I sent to this company on XX/XX/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 2019-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing a complaint to Chase Bank in regards to the response that I received from the bank for initiating a refund process for unauthorized transactions of amount {$790.00} from my checking account. I appreciate their response to my complaint, but the response didn't address my issue as well as it didn't help me finding a solution. 

As their response ( attached document ), the Chase Bank sent me a 30-page booklet of " Deposit Account Agreement Privacy Notice How to Contact Us '' and a general explanation of 60 days time frame of claiming a refund. 

The amount of {$790.00} of unauthorized transactions happened between XX/XX/XXXX and XX/XX/XXXX. I immediately contacted the bank and filed a claim according when I first noticed those transactions on my bank statement on XX/XX/XXXX. So, all those unauthorized transactions happened within the past 60 days since I filed the claim. 

The bank in their response didn't address those transactions. However, they mentioned a transaction happened in XX/XX/XXXX. Unfortunately, they didn't explain enough how the XXXX transaction got linked with the unauthorized transactions. 

Again, Chase Bank 's response by sending some printed legal terms and general information didn't help me to find a solution. I would sincerely appeal to the bank to initiate a refund process so that the party/company who got the {$790.00} of unauthorized transactions can refund the amount. 

I've been with this bank for more than 20 years- I opened the account with the then XXXX XXXX/XXXX  XXXX. I hope that the bank would consider the suffering of a small account holder like me where {$790.00} is a big deal. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I have called Security Credit Services at least 20 times with no resolution. I spoke with a representative named XXXX. The other 19 times I was sent to voicemail with no returned phone call. XXXX would not provide me with any information re : my debt instead she transferred me to a number that was disconnected.

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 — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My daughter was in a total loss collision accident on XX/XX/XXXX. The insurance coverage provided by XXXX was swift and efficient as they issued insurance check to XXXX Chase Finance on XX/XX/XXXX for {$18000.00} for full payoff of lease balance of approximately {$16000.00}. I still have not received check from Chase Fonance as of XX/XX/XXXX despite several phone calls to them. I was informed that they need more time to confirm amount of check is correct. What could they possibly need to confirm since the money was from XXXX and not Chase?? Furthmore, upon receipt of check from XXXX, Chase Finance deleted access to all my information online, including payment activity, statements, account numbers, etc. my check should have been issued long ago and my account information should not have been deleted. They need to place my information back online, issue me my check, and add interest to the time they have had access to my funds. They have clearly, deliberately and unlawfully held my money.

Company response to consumer: Closed with monetary relief