vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-01 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: VA

Complaint narrative:
I have filed several complaints with this company regarding this unverified account that is reporting on my credit file. This company ( XXXX XXXX XXXX ) provided protected health information without an authorization which is also a HIPAA violation. I have notified TransUnion of this violation and they refuse to comply with the law. TransUnion have repeatedly violated the FCRA by continuously reporting an unverified account that is in violation of HIPAA. I notified Transunion several times, and my last letter to them explaining that this company has to have a signed authorization before releasing any type of medical information to me or to anyone else. Transunion refuses to comply. Transunion is currently reporting this account as " Meets FCRA requirment '' which it DOES NOT meets FCRA requirements and Transunion must be held accountable if they refuse to follow the law regarding reporting an account that is in violation of HIPAA.

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 2020-02-01 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: NC

Complaint narrative:
On XX/XX/XXXX a complaint was filed with Consumer Financial Protection Bureau with XXXX XXXX XXXX XXXX disputing the information that is being provided to all 3 credit reporting agencies concerning a previous auto loan, account # XXXX In that complaint I requested that XXXX  remove the negative info reporting that my account went 60-90 days past due. My payments with XXXX were due on the XX/XX/XXXX of  each Month and a late fee would apply only if payment were not received on or before the XX/XX/XXXX of the following month. 

XXXX  further stated in their response to my original complaint that the delinquency was reported due to " no payment being received in XX/XX/XXXXor XX/XX/XXXXwhen in fact a payment was posted on XX/XX/XXXX for {$360.00}, and the XX/XX/XXXXpayment was posted on 08/26/2019 well within my 30 day grace period. Payment schedule to follow. 

There has been a 2nd complaint ( XXXX due to the fact that I have called XXXX XXXX, faxed them and sent an email and this issue has still not been resolved. 

The Fair Credit Reporting Acts state that a creditor must report accurate and complete information to all available reporting agencies! My rights are being violated due to XXXX XXXX refusal to treat this matter as urgent and to correct the errors they are reporting Enclosed you will see that not only is XXXX XXXX reporting inaccurate info, they are not even providing consistent info to the 3 reporting agencies! 

Please also review the account summary of payment history from XXXX XXXX where it clearly shows a payment on XX/XX/XXXX, XX/XX/XXXX and the very last payment which PAID OFF my loan on XX/XX/XXXX. You can also view where XXXX credited my account which were $ XXXXeach, on XX/XX/XXXX for ( {$35.00}. ), yet XXXX reported to Equifax that payment was 60-90 late! 

I need this information updated as sson as possible to ensure my appliaction for a mortgage will make it through underwriting so please understand the urgency inwhich I am writing!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MS

Complaint narrative:
On XX/XX/XXXX, I applied for the Discover Business credit card and was denied. A hard inquiry has now been added to my credit report from Discover Bank. When I called Discover Bank on XX/XX/XXXX, I was informed that my application was denied due to the status of a previously closed credit card account with Discover Bank. I proceeded to reasonably ask that, if my application was immediately denied based on information already in possession of Discover Bank, how could there possibly be a legitimate reason to complete a hard inquiry on my credit report? The employee I spoke with was unable to give me a valid answer. There was no reason for Discover Bank to do a hard inquiry on my credit report because, as is obvious, Discover Bank denied my application due to information they already had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I accompanied my mother to Apple Bank for Savings at the XXXX XXXX Branch. One, to inform them of the passing of her husband and, two, the transfer his two savings accounts in trust for my mother into her accounts at the same bank. On XX/XX/XXXX, we provided the branch with an original copy of her husband 's death certificate and were successful in moving one of her husband 's account holdings into my mother 's savings accounts. We were informed by XXXX XXXX Customer Service Representative that the funds in the second account would not be available for 30 days. When we returned on XX/XX/XXXX we were told that we must have a letter of administration to release the funds. When I inquired as to why, with Assistant Bank Manager XXXX XXXX, she informed me that it is a state regulation. I asked why I was not informed of this regulation on XX/XX/XXXX and why one account was released and not the other? I also informed her that l would now have to return to my attorney and pay additional fees and court costs to add this information to our court filings. Ms. XXXX did not provide me with an answer and simply stated that she " could not tell me why I was not told and that she could not release the funds. '' Upon consultation with my attorney, I found that additional court documents were not required on any account with a beneficiary. The account in question has the same passbook title as the transferred account. It is clearly titled : In Trust For " ITF ''. Why is Apple Bank for Savings holding and refusing to release these monies without court documents and at great expense to me? 
I find this to be unacceptable, incompetent, deceptive and fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
First problem is that this company stole my money : XX/XX/2020 Posted date XX/XX/2020 Merchant info XXXX DescriptionXXXX  MethodOnline, mail or phone Card number ( ... XXXX ) CategoryProfessional services This company stole {$1400.00} from me, they were supposed to give me access to a website and a daily newsletter. I am not getting anything from the fraudulent company. Chase is NOT responding to my emails and when I talk to customer service they are extremely rude. I have not received a credit from Chase and they are not investigating. 

Second problem, back in XX/XX/XXXX I sent about {$600.00} to XXXX via Chase. XXXX says they never got the money from Chase. Chase claims they sent it. Again, I lost {$600.00} due to Chase being inept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: VA

Complaint narrative:
I have filed several complaints with this company regarding this unverified account that is reporting on my credit file. This company ( XXXX XXXX XXXX ) provided protected health information without an authorization which is also a HIPAA violation. I have notified Experian of this violation and they refuse to comply with the law. Experian have repeatedly violated the FCRA by continuously reporting an unverified account that is in violation of HIPAA. My last letter to them explaining that this company has to have a signed authorization before releasing any type of medical information to me or to anyone else. Experian refuses to comply and is currently reporting this account as " Meets FCRA requirement '' which it DOES NOT meets FCRA requirements. Experian must be held accountable if they refuse to follow the law regarding reporting an account that is in violation of HIPAA.

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 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I filed a complaint with XXXX  3 times already XX/XX/XXXX and all were denied. Complaints against XXXX, original XXXX XXXX XXXX. We aquired a camp membership in 2003 and did not have any other new contracts. This should of been removed. It is over 16 years old and XXXX has the same contract listed 3 times on my credit report in which they keep changing the date of aquirement which was XX/XX/XXXX only. It was a membership to use the campground. I called the campground to remove my contract and they didnt. We only used it one year for XXXX. This was for use of campgound not ownership.

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 2020-02-01 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I faxed Equifax for the 2nd time to remove my extended fraud alert. I also included supporting documents up my state ID and Social Security card, a total of three pages and faxed it to XXXX As of XX/XX/XXXX the extended fraud alert still remains on my CBR. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: PA

Complaint narrative:
I had to consolidate my student loans with Fedloan Servicing to participate in the Public Service Loan Forgiveness program.

My account shows that I consolidated with them on XX/XX/XXXX. Payment records on Fedloans website shows a payment history beginning on XX/XX/XXXX. In order to qualify for the loan forgiveness, I must make 120 payments. I have made 44. They are saying I have only made 27. According to Fedloan, this past year has not yet been calculated, however, for the past three years, I have been arguing with them over what they are considering qualifying payments.

Including the past year they claim they have not calculated yet, I have made 44 payments and they are saying Ive only made 39. They have said they have disqualified the uncounted payments for the following reasons : I made two payments too close together. Both were disqualified. This is false. I get emails saying when my payment is due. Then I go on to their website and make the payment. Ive never paid when the payment wasnt due. I would be unable to as the amount in the box would be XXXX. In order to rectify this, they asked I make a payment over the phone. I had already made my payment that month, but they asked that I make a second payment taking me out of the pay ahead status. This was done on XX/XX/XXXX. However, those two payments are still not showing as qualifying payments. ( That is two payments not counted. ) They then said one month I paid a few cents too much and another month I paid a few cents too little. This is impossible because I use their internet site and phone app to make my payments. The amount I owe is auto populated. I do not change the amount. I only click on the date and click on my bank account and then submit the payment. It makes no sense whatsoever to change the auto populated amount by pennies. ( That is an additional two payments not counted. ) Another month they claim I was on deferment, which is false. ( That is one payment not counted. ) That brings to total count to five payments they claim are not qualifying payments.

I have disputed this with them on multiple occasions over the years. I have spoken to supervisors as well as other agents. The supervisors have been rude with one telling me that there was nothing they would do for me and to call the media and my local government representative. She went on to say that I wasnt going to win in a fight against them, laughed and then hung up on me. I have researched their practices and have sadly discovered that I am one of thousands of people they are scamming with the Public Service Loan Forgiveness Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING FRAUDULENT ACCOUNTS WITHIN 4 BUSINESS DAYS OR LEGAL MATTERS WILL TAKE PLACE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX 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 2020-02-01 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING FRAUDULENT ACCOUNTS WITHIN 4 BUSINESS DAYS OR LEGAL MATTERS WILL TAKE PLACE.

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: CA

Complaint narrative:
I have a down payment assistance loan through Statebridge Company. I have repeatedly attempted to pay my bills and its almost like they wont allow me to. I was not notified of the loan and who to pay until after the first payment was due. Since then, I have not been allowed to pay online and the one time I sent a check ( sent XX/XX/XXXX, deposited ( XX/XX/XXXX! ) before the due date and they held onto it for weeks until it was late. I have repeatedly tried to call to pay and they hang up on me as soon as I get through to someone. That is on the rare occurrences that I can actually get through to them. It takes 45 minutes to an hour to make a phone call to them, only to be hung up on. They suggest I sign up for automatic deduction, but I honestly do not trust this company anymore. 

They will not respond to my emails, or questions, wont answer my phone calls and wont accept my payments. My credit is now destroyed and I am at a loss. 

I just want to get squared up and fix my credit. I feel like it should be possible to make a payment to a company that reports to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I found out this week that Equifax has been submitting my credit report information to XXXX XXXX   twice a year for no reason what so ever. Since Equifax has done this, my credit limit has been lowered on two of XXXX XXXX  's Store cards. There is nothing in the literature from XXXX XXXX XXXX XXXX and XXXX ( both are XXXX XXXX Card ). I was not notified by those cards until I logged in to see my credit had been lowered. I do have an email from XXXX and XXXX XXXX XXXX that it was solely based on what Equifax had sent them. The kicker is my credit report rating with them has gone up since I got these cards. The problem is, Equifax did not have my permission to submit any information, I have a credit freeze on my report and I have my report locked as well. The information they sent over is false, misleading and highly inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i was reviewing my credit report today XX/XX/XXXX When i came across 11 inquiries that i did not apply for. I called every single company that made the inquiries and told them that i have been a victim of Identity theft because i was not there at there store during the time the inquiries were made. 

I called all these companies today and they told me to contact the three major credit bureaus. I did contact all the bureaus but Experian would not remove them i have filed a valid police report with the XXXX XXXX police department regarding this matter. 

I DID NOT APPLY FOR THESE INQUIRIES XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX 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 2020-02-01 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I signed up for a TD cash card. The offer I signed up for was spend {$500.00} get {$200.00} back. I have not received the bonus despite meeting the spend requirement. I have reached out to TD bank and they said they are not able to service my request and did not explain why I have not received the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: NM

Complaint narrative:
I had a regularly scheduled payment above the monthly minimum. Then the monthly minimum was changed without notification and the annual rate stayed the same. My monthly payment of {$35.00} did not cover the sudden change from the former minimum of {$32.00} to a new minimum of {$43.00}. Then they began adding late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: FL

Complaint narrative:
My name is XXXX XXXX I have been using Direct Express because SSDI demanded. Besideds the our ragious fees i was being charged. I kept card for over 3 yrs. I would just remove all my funds on the XXXX every month to avoid those fees. On XX/XX/XXXX XXXX XXXX before i was goint to head to atm to remove my funds, I discovered my card was not working and reported stolen. This was not done by myself so I immediatly told the company to cancel card. Insteed of completeing my request i wasplacved on hold from XXXX XXXX XXXX - XXXX XXXX XXXX XXXX before speaking to the fraud department, Instead of being helped i was treated as the fraudulant user. I had already had a police officer at my home since while using another phone to call cound that a replacement card was swhipped to an adress i have nevber used 70 miles away on XX/XX/2019 and was recieved and actived XX/XX/XXXX. I requested the adress and store it was used and as well as the officer requested and was denied by your supervisor, The time was now XXXX XXXX i was on land line at XXXX XXXX XXXX XXXX XXXX XXXX with a police officer present and was called a liar becauce every senmt i had tyo my name was removed from account at XX/XX/XXXX.This letter will be my last7 nice attempt after that if this arrangmenmt is not fixed. I i will use every cent of the $ XXXX inheriantance i, rtecieving next year, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX over ur lack of customer service and inhumanity. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Refusing to cease and desist all communication except by us mail. They are saying state law allows them. They are violating federal law. Contacted on XX/XX/2020, XX/XX/2020, XX/XX/2020 multiple times after they responded to my first complaint denying they quit and werent doing it. Please see screen shots of the emails we have exchanged. Im going to sue them for said violations.

Company response to consumer: Closed with explanation