vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 Compliant accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX ( OC : XXXX XXXX ) - Account : XXXX  Creditor : XXXX XXXX ( XXXX XXXX )  - Account : XXXX Creditor : XXXX XXXX ( OC XXXX XXXX XXXX ) - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I called Equifax and reported a fraudulent account on my credit report on XX/XX/20 dispute number XXXX. They removed the dispute within days without investigating. I had to open a second dispute XXXX, and now Im having to go through the process of proving this account is not mine. I dont believe they really investigated the first time I placed the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: LA

Complaint narrative:
I got into a loan agreement with Green Trust Cash on XX/XX/2019. I am now in a financial hardship and can not make the payments. I have tried contacting this company through email to try and re-negotiate the loan to lower interest rates and payments but they are refusing to work with me. I borrowed {$500.00}. I was charged an interest rate of 474.9736 % with 10 payments of {$170.00}. So far I have paid {$1100.00} towards this loan. If I continue on with the current payments, I will have to pay a total of {$1700.00} on a {$500.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion shows 3 public records in my credit report which were updated by Transunion on/or around XX/XX/2020 in error. Transunion lists XXXX as the 3rd party data Furnisher used to report this information on my credit report. However, the 3 public records have been deleted from my consumer file with XXXX on XX/XX/2020 as a resolution after their reinvestigation of erroneous, inaccurate & unverifiable information ( See supporting documentation ). A previous complaint against XXXX is on file with the FTC, CFPB, & XXXX. XXXX  has already deleted these 3 public records in reference to the same resolution letter provided by XXXX ; XXXX  is pending.

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 2020-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
I have been harassed by Citibank & XXXX from last six months. It was on XX/XX/2019, there was fraud transaction using my Citibank credit card worth net amount XXXX. I raised the dispute immediately after I received the message with Citibank as well as XXXX. To my surprised even after logging in dispute with Citibank the bank cleared the payment to XXXX through which the fraud was done. 

I had been writing to Citibank at every possible level and the only response it gives is that it was an OTP transaction and it was secured one. I never received any OTP and I had been reinstating on this again and again. 

Please help.The complaint number with Citibank is 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 2020-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I was in a chapter XXXX. Once my chapter was completed and about to be discharged the mortgage company sent me a notice of default. I contacted my bankruptcy attorney and they contacted the attorney office with documentation showing I had made all payments and everything thing was supposed to be put on hold while Shellpoint did their research. Well it has been two weeks and I received a certified notice XX/XX/XXXX of notice of default from Shellpoint Mortgage. During my bankruptcy I fell behind so on XXXX of XXXX we made a agreement for me repay XXXX with a Stipulation on motion for relief from stay. This document was filed in bankruptcy court. I paid all payments as agreed. I sent them proof of my payments and they are still saying I owe XXXX, XXXX. They have not provided me with how I owe this amount when I XXXX of XXXX I owed XXXX, XXXX which I paid and provided them proof of payment and now I am in default for the XXXX, XXXX. This makes no sense. Shellpoint has clearly made and error. When I first filed my bankruptcy I owed XXXX, XXXX which was paid in my bankruptcy by the trustee so I have no idea were this amount comes from. Also when I first filed bankruptcy my loan was with another a company called XXXX XXXX XXXX XXXX and sold to Shellpoint on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: FC HoldCo LLC
State: TX

Complaint narrative:
Flagship XXXX XXXX is adding late charges to original note even after the automobile has been reposed. This caused credit scored to be lowered by 3points

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 2020-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: LA

Complaint narrative:
I got into a loan agreement with Spotloan on XX/XX/2019. I am now in a financial hardship and can not make the payments. I have tried contacting this company through email to try and re-negotiate the loan to lower interest rates and payments but they are refusing to work with me. I borrowed {$800.00}. I was charged an interest rate of 460 % with 10 payments of {$260.00}. So far I have paid {$790.00} towards this loan. If I continue on with the current payments, I will have to pay a total of {$2600.00} on a {$800.00} loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: LA

Complaint narrative:
I got into a loan agreement with Riverbend Finance , LLC on XX/XX/2019. I am now in a financial hardship and can not make the payments. I have tried contacting this company through email to try and re-negotiate the loan to lower interest rates and payments but they are refusing to work with me. I borrowed {$600.00}. I was charged an interest rate of 648.75 % with 7 payments of {$240.00}. So far I have paid {$740.00} towards this loan. If I continue on with the current payments, I will have to pay a total of {$1700.00} on a {$600.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I currently have a fixed rate 30 year mortgage at 5.75 % that originated XX/XX/XXXX. Ditech XXXX serviced this mortgage loan beginning in XXXX until XX/XX/XXXX. It went into bankruptcy and the loan was purchased by XXXX XXXX and they began servicing the loan in XXXX, XXXX. In XXXX my total annual interest paid to DiTech was {$8200.00} or {$680.00} average per month. In XXXX my total annual interest paid to DiTech was {$7200.00} or {$600.00} average per month. For the 3 months in XXXX that DiTech serviced the loan, interest paid was {$1900.00} or {$640.00} average per month. This represents a {$36.00} average increase per month over XXXX 's average of {$600.00} on a fixed rate mortgage. 

DiTech failed to provide a closing statement when the loan was sold to XXXX XXXX in XXXX. They have declared bankruptcy and there are no records on their website regarding my loan. The loan balance also does not reflect the additional payments made towards principal during the first 3 years of the loan from XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.

Complaint narrative:
My tenant, in Florida, deposited cash to suntrusts ( Holiday branch ), night deposit box mid XXXX and again mid XXXX. What we didnt know was that suntrust stopped allowing cash deposits in XX/XX/XXXX. I contacted the holiday branch of suntrust and spoke to a rep, told them my problem. That I am in the XXXX and not in the USA until XX/XX/XXXX at the earliest. Since I spoke to a rep over a month ago, they have done nothing. No returned emails, no phone calls, no letters. Nothing. The amount was 2 deposits of {$700.00}. {$1400.00} in total. On the deposit slip was my XXXX XXXX, fl, account number. 
Suntrust knows 100 % what has happened but are sitting on my money deliberatly and not transferring it from the Holiday branch to my account in 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 monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: NJ

Complaint narrative:
I applied for and received a personal loan From One Main Financial a couple of years ago. The loan amount owed is {$3400.00} I've been making monthly payments and the balance remains the same. 

This seems to be a predatory loan. The balance seems to keep increasing, and when I make my monthly payment of XXXX, they only seem to credit up XXXX dollars towards the loan so the balance never decreases. 
I don't have paperwork in this loan it was signed electronically in their XXXX New Jersey office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX and XX/XX/XXXX BK OF AMER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DSNB MACYS XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-02-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: TX

Complaint narrative:
12 days ago I discovered that my Direct Express Debit Card had been hacked and every single penny was gone. I spent 2 hours on hold before I was finally able to speak to someone. The thieves stole over {$8600.00}! All the purchases were made in Washington D.C., Virginia and Maryland and we live in Texas. This money is for my XXXX XXXX granddaughter. It's her survivors benefits from the loss of her Mother in XXXX. I had saved the majority of her funds so that she will be financially stable when I am no longer on this earth to care for her. I have heard absolutely nothing from Direct Express. I called them again on XX/XX/XXXX and spent another 2 hours to just get a standard spiel from the person on the phone. I was under the impression that they only had 10 days to return the funds. Please help us to resolve this issue. I went to Social Security and her funds will now be deposited into a bank account. I have read so many horror stories about this company! Why does the government still use them! I rarely use this card so I know the number had to have been obtained through Direct Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had a credit card with this company for several years and have never been late. I have been having problems since XX/XX/2019. I have been told a payment is not due or the payment due is not showing correctly on their website. I have made several attempts to make a payment and have been told several different amounts that contradict the other representative. I spoke with XXXX, XXXX, etc. I eventually returned a call for XXXX, a manager, but have not heard back from her. I have also been notified that my credit report has been negatively affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: Synovus Bank
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : FSTPROGRESS XXXX XX/XX/XXXX DEPTEDXXXX XX/XX/XXXX and XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: Nelnet, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX DEPTEDNELNET XX/XX/XXXX and XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation