vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have calculated my interest down to the day for how much I am losing. Navient is stealing an extra day every month from me since my loan started. If they are doing this to everyone that is a large sum of money. I calculated the same thing with XXXX and they are not doing the same as Navient. Also if you go through the history of my loans when I just mailed in the amount I was told I owed for the month, they did not allocate my payments correctly. Since they have allowed access online I have not had this issue, as they must apply my payments as I note them. Although the first month I did this 3 years ago they tried to misappropriate my payments again. Which took 3 months to fix. I borrowed less than {$70000.00} and graduated in XX/XX/2007 and I have paid them {$100000.00} and I still owe them {$10000.00}. People that have borrowed from Sallie Mae/Navient please be aware of where your payments are going.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a complaint about XXXX XXXX and received a letter back on XX/XX/2018 that they would delete the TradeLine from 4 bureaus. 
All bureaus has deleted the TradeLine except Experian, in the letter it states give it 30 days to update on the credit report it is XX/XX/XXXX and the TradeLine is still on Experian. I have sent Experian the same document XXXX sent the CFPB, but instead they opened up a dispute and XXXX has came back and updated the TradeLine. 
I have called XXXX and Experian multiple times to get this situation resolved but neither will give me an explanation.

This TradeLine has to be deleted immediately it has hurt my ability to purchase a car.

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 2018-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
On XX/XX/18, I pulled a copy of my XXXX  Credit report and noticed a debt collection company that I had submitted a dispute letter concerning a past due medical bill for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: STATE FARM BANK, FSB
State: NY

Complaint narrative:
On Sat evening at about XXXX I called State Farm bank to cancel or report my card lost. I was driving. I provided full name, address, social security #. Phone numbers. Authorized users. I was unable to provide account number as card was lost. They asked for a security question that I did not know. I could not answer a text as I was driving. The company refused to accept my request to block the card. I advised I was not looking for reissue at that time ... wanted the card blocked. They refused -stated that they could not confirm my identity. I provided home phone number, approximate balance, approximate credit limit, last purchase, last payment ... state farm agent. 

the process promotes fraudulent use of a card when a consumer is providing due diligence in their efforts to protect the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After observing my credit reports, I was disgruntled to discover that XXXX XXXX was inaccurately being reported in my reports. This account is closed and was to be deleted from my profile. Also the Account Incorrectly Reporting " 30, 60, 90 Days Late. This Account has Never Been Paid Late. It has been very damaging to my credit standing. The inclusion of this inaccurate information is a mistake and I am formally requesting an investigation into this item. I am requesting this issue be corrected and the item please be removed.

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 2018-11-04 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: TX

Complaint narrative:
Transunion and XXXX have violated my rights cant look at my credit report after being a ID theft victim Im concerned that someone has my information but I cant see whats on it

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 2018-11-04 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-11-04 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I filed a complaint about Santander consumer and received a letter back on XX/XX/2018 that they would delete the TradeLine from 4 bureaus. 
All bureaus has deleted the TradeLine except XXXX, in the letter it states give it 30 days to update on the credit report it is XX/XX/XXXX and the TradeLine is still on XXXX. I have sent XXXX the same document Santander sent the CFPB, but instead they opened up a dispute and Santander has came back and updated the TradeLine.

I have called Santander and XXXX   multiple times to get this situation resolved but neither will give me an explanation.

This TradeLine has to be deleted immediately it has hurt my ability to purchase a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: TX

Complaint narrative:
XXXX  and Equifax have violated my rights cant look at my credit report after being a ID theft victim Im concerned that someone has my information but I cant see whats on it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. It lists the current creditor as XXXX XXXX and claims the balance is {$3000.00}. They advised me in this letter that a judgment was entered against me and has been placed for collections. They claim that I am being charged interest daily and I have 30 days to dispute this. I do not understand how a judgment was entered, without my knowledge of this. To my knowledge, I have not received written correspondence from this company or the original creditor regarding this debt or the alleged judgment. I am researching here in California about credit card debt, collections agencies, judgments as well as statute of limitations and XXXX. This has not appeared on my credit reports, that I am aware of. Am I disputing this? Absolutely I dispute this. I am unsure if I should call XXXX to ask for written correspondence about this debt, with the name, address and account number, along with the name of the courthouse and Judge that issued the judgment. I understand that predatory lenders may try to trap you or get you to say things and I hesitate to call directly because of this. My understanding is that debt has a 4 year statute of limitations in California. I also understand that predatory companies will file against people without their knowledge, hoping to get a judgement. I believe this is what has been done to me. How can a judgment be entered without ever contacting me or serving me papers? I have blocked out any personal information as this website advises.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX # XXXX placed on XXXX was returned because I was sent incorrect style of sunglasses, purchase date shows as XX/XX/XXXX on statement. The item was returned via USPS parcel return service on XX/XX/XXXX, it it still unclear if a refund will be issued or not, the phone rep I spoke with earlier said it is being worked on but had no other information. This is not the first time I've been sent an wrong item, XXXX XXXX has sent me items in the past which have turned out to be wrong item/style. I emailed a XXXX XXXX on XX/XX/XXXX requesting a refund in advance of receipt of item due to situation, wrong item sent. She referred me to a XXXX, I left her a voicemail on XX/XX/XXXX, did not call me back and it is now XXXX. I request Capital One, the bank whom issues the card I placed order on, to dispute the charge with the information I provided above. They should be able to track the return through XXXX XXXX and the order number I provided, the return label was provided by the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I was recently made aware of multiple attempts to acquire fraudulent accounts in my name. After reviewing my credit files I've found a couple of Unauthorized accounts and several credit inquiries by the perpetrators.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04 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: MA

Complaint narrative:
1. XXXX Agreed that there was a XXXX balance due on a land line. 
2. XXXX is reporting a charge off with a XXXX balance which is impossible. 

Trans-union is the credit reporting agency that is reporting a XXXX   balance as a charge off. 
Trans-union will not allow the account to be disputed on line. 
Trans-union has few or no staff available to file a dispute by phone. 
Tans-union is requesting items not in my possession, making it impossible to dispute by mail.

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 2018-11-04 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: PA

Complaint narrative:
After observing my credit reports, I was disgruntled to discover that XXXX XXXX was inaccurately being reported in my reports. This account is closed and was to be deleted from my profile. Also the Account Incorrectly Reporting " 30, 60, 90 Days Late. This Account has Never Been Paid Late. It has been very damaging to my credit standing. The inclusion of this inaccurate information is a mistake and I am formally requesting an investigation into this item. I am requesting this issue be corrected and the item please be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: PA

Complaint narrative:
After observing my credit reports, I was disgruntled to discover that XXXX XXXX was inaccurately being reported in my reports. This account is closed and was to be deleted from my profile. Also the Account Incorrectly Reporting " 30, 60, 90 Days Late. This Account has Never Been Paid Late. It has been very damaging to my credit standing. The inclusion of this inaccurate information is a mistake and I am formally requesting an investigation into this item. I am requesting this issue be corrected and the item please be removed.

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 2018-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/2018, I opened an HSBC Advance checking account to take advantage of the attached {$350.00} Welcome Deposit bonus offer. I deposited {$10000.00} into the account, maintained the balance for 90 days and waited the additional 8 weeks for the bonus to credit. After the 8 weeks expired, I contacted HSBC several times through their live online chat, their 1-800 phone number and their website 's secure mail. I was promised that they would open a case, contact the promotional team and get back to me. I never received a follow up and it's been 2 months since I should have received the bonus at the latest and since I first was promised they would get back to me. I continue to maintain the {$10000.00} balance in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: IL

Complaint narrative:
I have opened a citi checking and saving acct for this following promotion. 
Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days My checking/saving acct number is XXXX. I have funded this account since opening in XX/XX/XXXX, I have XXXX in checking and XXXX in saving. 
I feel citi has no plan to honor their promotion.I did talk to the Rep when open the acct, and I was assured I will get the bonus, However I didnt. 

This is purely deceptive marketing if citi didnt honor their promise. 

My address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL 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 2018-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has been dropping the ball repeatedly and the amount of time and inconveniences they have caused me has gone too far. 
I purchased two airline tickets on XX/XX/XXXX, the first in the amount of {$160.00} and the second {$370.00}, it takes a lot of planning and time spent in deciding this purchase but to hit a wall I didn't see coming? again, this is not the first time either, same thing happend exactly 7 days ago, none of my cards with Capital One wouldn't process and when I called the representative then, they are not willing to take responsibility, nor apologize or explain as to why, this is ridiculous! Yes, my funds are plenty! And this is not user related issue believe me ( browser, internet connection, typo or whatever crosses your mind now ) I know what I am doing, it seems the transaction went through for now, that is what it appears like, but no pending transactions are showing in Capital One pending activity page for the entire day that I made purchases for, forget the past hour, and the agency I purchased the ticket from may not be issuing the ticket because nothing has gone thru, this is taking owefully long and that is what prompts me to dig deeper and find out there is " system update '' going within the Capital One, whatever that means, that doesn't mean anything to the customer, just words, be transparent and let your customer know before they get impacted, be transparent and professional. How am I suppose to know if my online purchases went through or not, if I am not receiving the usual email, texts, and also doesn't show under pending transactions for hours? And in last weeks case, it just wouldn't charge at all, I had to call and provide my card information to make that purchase, why all these unnecessary hassle? Now, if I don't get that ticket processed soon, the rate will change and I will be forced to look for other financial institute that would like to take my money but at the same time are stable, communicative, transparent and professional, these are the basic principles, ... come on! 
I just want Capital One to take this seriously and stop this " brown outs '' which are not acceptable in my book.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC.
State: CA

Complaint narrative:
I DO NOT HAVE ANY DEBT. PEOPLE FROM THE NUMBER XXXX ARE LEAVING DAILY MESSAGES WITHOUT ANY DETAILS ASKING TO CALL THEM BACK TO DISCUSS A DEBT SITUATION. 
I TRIED TO REPORT THEM A SCAMMERS, BUT THE GOVERMENT AGENCY IN CHARGE OF THAT TYPE OF CALLS SAID THAT I CAN NOT DO ANYTHING. 
PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
In XX/XX/2018, I opened a business account with XXXX XXXX XXXX in my company name. My account was closed in XXXX and they reported to the consumer credit bureaus in XXXX that they gave me a Line of Credit for the negative balance on the account. They also reported the account and my EIN to XXXX as a negative bank account. I contacted the bank and asked why are they reporting on my personal credit report and was told that they gave me a line of credit when I opened my account but I never applied for it nor did I receive it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Unverified information on my credit report XXXX and TransUnion I have sent 3 letters to each company and they cant verify the information they said is Ben Verified but they dont have no proof 1st letter sent on XX/XX/18 to XXXX and TransUnion 2nd letter was sent on XX/XX/18 to TransUnion and to XXXX it was sent on XX/XX/18 .3rd letter was sent on XX/XX/18 to XXXX and 3rd letter to TransUnion was sent on XX/XX/18

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 2018-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I contacted Contract Callers Inc with a Validation letter sent via certified mail. I received their response via mail XX/XX/18 which did NOT include any signed documents/contracts as evidence I agreed to pay them any amount of money they say I owe. 
They have refused to remove this inaccurate info reported in my credit file with XXXX, XXXX, & XXXX which is a clear violation of the FRCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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:
EQUIFAX mixed file with my sister. Contacted them several times but they arent able to fix the problem and its causing me problems when trying to apply for a credit card. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a copy of a letter from Wells Fargo dated XX/XX/XXXX sent to my attorney and the CFPB. In their response, they included exhibit documents A, and B for the CEMA. CONVENIENTLY, they choose not to include the attached Exhibit D in their 71 page response. This document shows a notary stamp and the notary 's signature of the document. This document, Exhibit " D '', was never signed by myself or my wife.This proves that the notary was not present at the closing, and notarized all the document afterwards.This brings into question any of the other signatures on other forms, and that other documents were falsified after the " closing ''.

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