vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-08 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: AL

Complaint narrative:
Company was applying my payments incorrectly. Had been paying over the minimum amount, changed auto pay to begin charging minimum amount and that's when all the issues started. They tried to tell me that my payment made in XX/XX/XXXX wasn't for the XX/XX/XXXX - XX/XX/XXXX billing cycle that it was actually for XX/XX/XXXX. They told me that my payments are actually for the next months statement. So instead of applying my {$100.00} payment, they only applied $ XXXX.They kept reversing my transactions to where I don't even know what I have and haven't paid. My XX/XX/XXXX payment was late because of these issues I was having. I made a payment online for the due amount. Then on my next statement, it said that I was {$3.00} past due.I made a {$100.00} payment on the company 's website on XX/XX/XXXX, minimum amount due was {$3.00}. My payment then was due on XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$170.00}. I should not be at fault and penalized for {$3.00} if I was unaware that I even owed that. I paid a late fee that I shouldn't have even paid. When I called to talk to them about this they didn't even bother to help. I submitted disputes with all 3 credit bureaus. Transunion sent me the results dated XX/XX/12 which showed that I was in good standing and that I was never late on payments. However, I looked on the website today and it had changed back to negative. How are they able to change the status without sending me some type of reason why it was reversed over two weeks later.

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 2019-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018, I opened an account with CitiBank based off the {$500.00} promotion. I was told by the personal banker that if I keep my account at {$15000.00} or above for three months, I would receive {$500.00}. 8 months later, I have yet to receive my bonus. I was recently informed by the personal banker that she misinformed me and did not open up a savings account, which she should have I was later told that the savings account was one of the qualifiers to open an account. I followed up every month and I was told several times by the personal banker and customer service that I should be receiving my {$500.00} soon as I have all the qualifiers, but three weeks ago I was told that I can not receive it because of no savings 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 explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My consolidated subsidized student loans started at {$13000.00} in XXXX and has grown to {$28000.00} current balance owed. I have been charged capitalized interest during deferments, forbearance and IBR. I receive a statement with {$250.00} owed each month but with a {$0.00} amount due and interest is accrued on this amount. Capitalized interest is added every month. Some months it's over {$1000.00} and some months it's only {$50.00}. Navient will not explain how the repayment works and will not explain why I get a bill for {$250.00} every month with {$0.00} amount due. I have contacted Navient several times through out the life of my loans but I never relieve any resolution. In XXXX I I owed about {$19000.00} which I disagreed with but had offered a {$15000.00} payment to close my account in good standing. Navient refused to accept this amount. 
Also, Navient has sold my private information to several third party " debt relief '' companies that contact me 4-5 times every day. These companies have the exact amount I owe, payment activity, social security number, birth date, etc. They say I qualify for forgiveness but only have 5 day to respond. One company actually tricked me int o allowing them to login to my account. I thought I was verifying information, but they actually used that information to get a new password and almost had me signing an agreement with them. These companies pressure me every time I answer the call and they use voip numbers that are untraceable. Navient will not allow me to opt out of third party advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: TX

Complaint narrative:
Very beginning of XX/XX/XXXXI paid off my Discover credit card, {$2800.00}, while on a mission to improve my credit score in preparation for buying a house. I had held a high balance for a long time but always made my payments while saving to pay off a good chunk. A few weeks laters,XX/XX/XXXXI received a letter stating my credit limit had been changed from {$3000.00} to {$500.00}. This rocked my credit score badly. Dropping me 30 points lower and wiping out my hard earned gains. When I contacted them, they said it was and automatic review based on numbers from my credit score. Which had gone up between 25-50 points due to paying off large portions of my debt. They stated some factors included an account that went to collections. I explained this was a medical bill that I never received. The week I saw the collection on my report, I paid it off in full. This was added to my report around XX/XX/2018and was paid off immediately. I asked the associate if they felt a collection of {$160.00} sounded like a good reason to remove {$2500.00} from a 2.5 year old account with no delinquency. The associate agreed that it did not seem fair but that they couldn't do anything to change the score until the next review. I asked if they could request a review on this and they stated no. My only choice was to initiate an credit line increase which would negatively impact my credit score. Another factor was the age of my credit. Which while still new, 3 years or so, was obviously better than any previous random review as I have not requested any new lines of credit in nearly two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: FL

Complaint narrative:
This inaccurate accounts are reporting on my credit file : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I have repeatedly attempted to resolve this issue with this creditor GM financial. This company is well aware that this account is a result of identity theft and continues to collect and report this fraudulent account on my credit report. I have contacted this company, disputed this, contacted the credit bureau numerous times, and this company have repeatedly defamed my character. As of today this account still remains in my credit file even tho Ive advised them of the identity theft and provided documentation. I have provided suspect information. Identified the woman XXXX XXXX in a line up at the police department, sent the police report to the credit bureaus as well as this company GM Financial and this company still is violating the law. In XXXX of 2019 this company sent this fraudulent account to a collection agency still attempting to collect on an identity theft account ... I am reporting this company and filing an official complaint as this company will be held accountable if they continue to report this account in my consumer file ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
The company placed a debt on my credit report I called to settle debt, ask if they would do a settlement and they told me they would. I asked could I receive the settlement offer in writing they told me a supervisor prepare the letter and they sent the letter once I received the letter. I called them they told me I had to pay the settlement offer in full I could not make payments so I paid the amount which was {$640.00}. They told me it would take a couple of days to process my payment. I waited 3days and called back to see if I could get a paid in full letter, I was told that I had to wait 10 days. After the 10 days I was told I could not receive a paid in full letter because the letter should not have never been sent to me and they could only report that I still owe XXXX. I did what was required of me know the company is reporting on my credit file that I still owe this debt. I have provided proof to the credit bureaus but they believe the company. The company says I still owe them. This is not professional. Unethical.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: LA

Complaint narrative:
I have repeatedly disputed a loan account on my credit reports ( Transunion, XXXX and XXXX  ) as fraudulent, because it does not belong to me, since it first appeared. I even set up a fraud alert. Now, this fraudulent account is showing up as a collections account. The credit bureaus refuse to remove this fraudulent account from my reports. Please, help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
By mistake I made an additional $ XXXX payment towards principal on XXXX XX/XX/2019. Either Mr. Cooper return me that or apply that for the reminder of the payments ( so that i don't have to make the payments of $ XXXX ) this year. 

I prefer refund of $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/19, I opened up a Chase College Checking account for myself ( account # XXXX XXXX. I did this partly in order to take advantage of Chases offer of a {$100.00} cash bonus. I submitted the required coupon code, and satisfied the requirements that I enroll in paperless statements and complete 10 qualifying transactions within 60 days from account opening. Chase promised to deposit the {$100.00} bonus into my account within 10 of completing all requirements. I have called Chase and visited their branch offices several times in order to ascertain why Ive not yet received my bonus. They told me that they have no record of a coupon code connected to my account and that without such a code, no bonus can be given. This is grossly unfair!! I submitted the coupon code XXXX XXXX XXXX, and have met all requirements. I believe that I am entitled to this {$100.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2017 TransUnion the company XXXX XXXX XXXX XXXX issued a hard inquiry on my credit that I did not approve.

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 2019-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech Financial is trying to collect a debt ( {$8800.00} ) from a mortgage that was a part of a bankruptcy in 1996. The manufactured home was taken back by the mortgage company which was XXXX. They have repeatedly tried to collect a debt that was not owed and now it is affecting my credit. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08 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: FL

Complaint narrative:
This inaccurate account is reporting on my credit file : 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 2019-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
My husband and I took out payday loans with acecasheexpresss.com in person in the XXXX, CA office XXXX. We made payment arrangements because we could not pay the lump sum at the time. Ace Cash Express called us several times a day for over a year and had individuals calling us stating they had legal documents that we needed to sign for and we needed to be at our home or work at certain times to receive thee documents or legal action would be taken, including adverse reporting to our credit reports and felony criminal charges. They also submitted the original check for the full amount of {$300.00} after I had made {$150.00} payment as agreed which caused overdraft fees so Couldn't make the final payments and cause other payments to bounce. 
It is now XXXX and we receive threatening calls almost daily from XXXX XXXX XXXX which claims they have a court case or legal action they want to negotiate for us out of court. They won't give any information about the original debt or give a case number. I know they don't have an actual court case because we have never been served actual court documents stamped by any court. We receive repeated calls from " Process Servers '' that use untraceable voip numbers and refuse to say who they hired them to serve the " legal '' documents or give us information about themselves. 
We have tried to make payments but Ace Cash Express has refused to accept anything but the full amount and continues to threaten legal action, calls us names, uses profanity, and violates Fair Credit Collections Act. We have verbally and in writing asked the, m to to stop contacting us to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted several requests to transunion credit bureau that the following inquiries were not authorized by me. They did nothing and the inquiries still remain. I did not authorize these inquiries and would like them removed XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/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 2019-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: CA

Complaint narrative:
ALLIANCEONE REC MGMT XXXX XXXX XXXX # XXXX XXXX XXXX, WA XXXX XXXX THIS ACCOUNT NEVER SENT ME A BILL AND HAS FAILED TO VERIFY THAT THE ACCOUNT IS MINE. 

EVEN XXXX REMOVED THIS ACCOUNT OFF BECAUSE THEY DID NOT FOLLOW COMPLIANCE BUT XXXX AND XXXX  STILL HAVE IT REPORTED ILLEGALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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:
Submitted a dispute online via XXXX upload. I faxed in the same disputed to XXXX and I mailed one to Transunion. I tried the online and fax method thinking it would be quicker to get viewed, I wasn't able to set up my Transunion account info so I mailed it in. Its been more that 30 days, I called each bureaus and to my surprise, found out that each agency outsources their inbound calls to call centers around the world. I am not opposed to saving money so I understand it, but so much information of consumers has already been leaked, hacked, exposed in breaches and sold online, I would think that Americans personal and financial information would be more secured. I am a victim of identity theft, I am trying to get several accounts removed from my credit report, most of these accounts were opened when I was away in the military. I would like for the documents that I am attaching to be forwarded to the agencies for review and resolution.

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 2019-06-08 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: SC

Complaint narrative:
Submitted a dispute online via XXXX upload. I faxed in the same disputed to Equifax and I mailed one to XXXX. I tried the online and fax method thinking it would be quicker to get viewed, I wasn't able to set up my XXXX account info so I mailed it in. Its been more that 30 days, I called each bureaus and to my surprise, found out that each agency outsources their inbound calls to call centers around the world. I am not opposed to saving money so I understand it, but so much information of consumers has already been leaked, hacked, exposed in breaches and sold online, I would think that Americans personal and financial information would be more secured. I am a victim of identity theft, I am trying to get several accounts removed from my credit report, most of these accounts were opened when I was away in the XXXX. I would like for the documents that I am attaching to be forwarded to the agencies for review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted disputes and requests to Equifax credit bureau many times in regards to inquiries that I did not authorize. They have done nothing. These inquiries were not authorized by me and need to be removed immediately. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX  - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   XXXX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is a closed account. It was paid in full and should show in good standing and paid off. This account WAS NOT charged off. It was paid in full and closed. 
However, the reporting date is showing XX/XX/XXXX and it should be XX/XX/XXXX. The date shouldn't have changed at all and this is affecting my credit age. Please correct this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
An innaccurate account is reporting on my credit file : 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