vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-28 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 requested several times to transunion delete a remark in my report over my closed account XXXX XXXX. It says the account is a charge off, settled less than full balance. This is incorrect and the dispute I made with them in XXXX of 2018 tells the account was paid in full. Even the dispute confirm what I'm saying and even I have phone to claim this, still the reports is showing this remark. 

- I requested a month ago to check a paytment it was done to the only loan I'm carrying, with XXXX, but Transunion has deleted the account instead show this paytment. I have check with XXXX, the creditor, and they assure they didn't take any action and that they are reporting all the paytments.

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 2019-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened a checking account with HSBC USA on XX/XX/18, with a promotional mailer offer to deposit {$10000.00} in new money and maintain at least {$10000.00} for 90 calendar days. The offer was to receive {$400.00} for meeting these requirements. 

I fulfilled these requirements, but HSBC USA never honored the promotion. I contacted customer service several times, and was told they would get back to me, each time. But I never received any resolution, despite several inquiries. It is now more than 10 months later, and I have continuously maintained the account balance at {$10000.00} or more since opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was attempting to buy tickets through an online server from an independent poster. The poster requested that I pay through XXXX. I chose to use XXXX by Chase. I was unaware that there was no grace period upon transferring money. I realized that I was being scammed about ten minutes after the transfer and called Chase some thirty minutes later. They informed me that there was nothing they could do. I am very frustrated. There should be safeguards in place for this sort of thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
- I have a collection account for {$5300.00} with National Credit Systems , Inc that I believe is due to Identity Theft and has damaged my credit report and has caused me to be denied for credit. 
- Company refuses to assist me and remove the balance from my report and record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
I've called multiple times and sent via fax a request to receive a copy and freeze my credit report at Sagestream. 

First, they claim you can call in to request a freeze by speaking to a representative. I have called over 50 times during business hours and not once have I gotten through to a representative. It goes to a pre-recorded message. 

Second, they claim they will call you back within one business day. I've left multiple messages and the only time they've ever called me back was several business days after my first call. Unfortunately, I couldn't take the call at the time. After that one time, they never called back.

Third, I submitted via fax a letter requesting a freeze and a copy of my report on XX/XX/21. I have not heard back. 


Sagestream is a joke of a business and CFPB is a joke of an agency to let this continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: IN

Complaint narrative:
I attempted to make a charge on my Discover Card on XX/XX/XXXX for {$19.00}, and it was declined. I switched to another credit card and made the purchase. 

The item is still pending, so it is affecting my available credit. I understand that it will be cleared in a couple of days. The problem is that Discover Card removes my ability to see that the charge is still pending after it has been pending for three days, according to their phone CSR. They gave no valid reason for hiding this from me, only that is their " procedure '', which is clearly a nonanswer if I ever saw one. Can you tell me what regulation allows them to hide account information from me such as this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MARINER FINANCE, LLC
State: LA

Complaint narrative:
Mariner Finance have been reporting late payments and ruining my credit score. I've tried speaking to them several times about this issue and no one will talk to me about this account. One representative actually informed me that there's no account listed in my name. This has been going on since 2013 and I want to be compensated for this company ruining my credit score over six years.

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 2019-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: TX

Complaint narrative:
I had a Netspend checking account in 2016 and had reported unauthorized transactions and never recieved credit or any kind of recourse except for automatic emails. I submitted written and oral reports of the transactions repeatedly and was never handled.

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 2019-09-29 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: Ameritech Financial
State: NY

Complaint narrative:
I've signed up with Ameritech Financial since 2016 and been making payments every month. I received a letter last XXXX stating that the company was closing. I paid at least XXXX grand towards my student loans just to take notice that my payments weren't even going to my loans. Now I lost all that money I paid out to start all over again on loans that I could have maybe been finished with paying off. This is really not fair and too much money has been wasted. I would really like my money returned to pay towards my loans.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-29 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: MO

Complaint narrative:
On XX/XX/2019, I filed a dispute with regarding a collection account tradeline reported by XXXX XXXX XXXX to my Experian and XXXX  credit files. On XX/XX/2019, I received a notification that the dispute had been completed and no changes were made as XXXX XXXX XXXX had certified to Experian that the information was accurate. Around XX/XX/2019, I received the same notification from XXXX that the dispute had been completed and no changes were made. As XXXX XXXX XXXX has failed to respond to my debt validation letters, I contacted Experian and XXXX between XX/XX/XXXX and XX/XX/2019 requesting copies of of the documentation provided by XXXX XXXX XXXX verifying the reported collection account tradeline. Instead of providing the requested documentation, Experian & XXXX  refiled disputes of the tradeline and again reported it had been verified within XXXX weeks of filing. 

Due to speed in which the dispute was resolved and because I have not received any documentation from either Experian & XXXX, I feel that 1 ) XXXX XXXX XXXX is using a auto-validation system instead of actually researching the dispute as required by the Fair Credit Reporting Act and 2 )  Experian and XXXX  do not posses any legitimate form of validation of the disputed tradeline.

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 2019-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
- reported debt as ID theft and was told they were from XXXX XXXX and was told they would remove the account from my records but nothing has been done.

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 2019-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I informed the company of having no knowledge of the debt and that it was due t ok ID theft and they refuse to stop reporting the debt on my credit report causing damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: CA

Complaint narrative:
My Capital One card payment is due on the XXXX of each month. I made my payment online on the XXXX at XXXX PT  and received a note saying I will be charged a late fee and my payment can only be scheduled for XX/XX/XXXX. I called Capital One and asked them to not charge me a late fee because its a ridiculous, arbitrary policy. I also asked if I could make a payment over the phone because they are open for business and accepting calls and today is not an official banking day so it doesnt matter what time I make my payment. Both I spoke to declined to resolve the issue and said I would be charged a late fee for making my payment at XXXX PT because the cutoff time is XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2018 Dear Best Buy Credit Mgmt Dept, My credit card # is and enclosed is the letter from my credit report from XXXX showing my XXXX score which was lowered to XXXX because of you guys and it also shows the serious delinquencies on my credit histories also because of you guys. 
Last XXXX of XXXX you guys were given both my routing number and account number of my checking account so you could auto debit them from me for the last XXXX payments, of the {$600.00} bucks owed to you guys. The numbers and account numbers were read back twice to you guys over the phone. Just to make double sure. 
Then suddenly at the beginning of XXXX I got numerous unknown calls on my cell Thinking it was a telemarketer I never answered. I finally called back the number and spoke to a Woman who told me they had the wrong account numbers and routing. I gave her the correct ones once again and asked what possibly couldve happened? She said that sometimes this happens and that somehow they mustve gotten them wrong even though I repeated them twice. I said well, it has to be your error because if you had the right ones we wouldnt be having this conversation. Nor would this letter ever have to been written. 
And l also I asked her why they didnt just leave a message and she said you guys are not allowed to do that either. Really? Thats a policy that needs to change, because that wouldve gotten the problem solved quicker. 
None of this shouldve ever occurred and makes no sense to me. In all of my years of paying off my bills have I ever had a Delinquency on my history ever, not XXXX. And I dont intend to going forward. You guys need to remove them from all three of my credit reports. Immediately. 
Lastly, please send a separate letter saying youre going to delete them or in the next correspondence. 

Sincerely, XXXX XXXX XX/XX/2018 Dear XXXX Enclosed is the Dispute letter that was sent to Best Buy credit please read it because it explains what happened. 

Please remove all XXXX day delinquencies and negative credit histories from my reports due to this was entirely their fault as you can see from which is stated in my letter to them on XX/XX/2018. 

Best Buy is disputing with all three credit agencies so I am doing the same. 
It was once again entirely Best buys mistakes and it needs to be noted so. Also please have my XXXX score restored and raised to where it was before this terrible credit mishap. Which should have never occurred in the first place and as you can see has never happened to me in my entire payment history life. 

Lastly please send me also a letter also stating that. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2019-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
This problem is with Regions Bank. XX/XX/19 I had my Direct Deposit to come through. On that said date i paid some bills and etc. By XX/XX/XXXX I looked and I only had {$1.00} and i thought o wow. So i transferred the {$1.00} onto another card. When i went back and looked it showed me XXXX balance. So then i did overdraw - {$190.00}. Which in my checkbook register it shows now i should owe the bank - {$230.00}. The next day XX/XX/XXXX it first shows i am - $ XXXX.I was like what? Then with my very on eyes while i was on the website i saw my transactions move..it then went to - {$680.00}. Then it shows - {$480.00}. And that is what they are saying i owe. I called there 800 number they would not fix it cause they said it was pending..what no i have proof of receipts it came out then. It usually always come out as soon as i use my card. Few days later i talked to someone at my local branch and she said it was because of pending transactions i told her that is not possible that i had my deposit to cover those. She said its because they go form big to low in posting ordering. I said that is not my fault. Well the lady from my local branch sent me some documents..but it does not show when my deposit was made..but it does however show that it was and overdraft fee of 2 pending which was the {$1.00} and - {$190.00}. so i thought why did they do this on my {$1.00} when that was not overdrawn, But it shows what my debit card paid most all on the XXXX that it was NSF,. How could it be NSF when i had my Direct Deposit few days before to cover these bills. Now i know i am at fault for the - {$190.00} plus {$36.00} fee..and i don't mind paying that. But they took {$250.00} in fees from me. I called the 800 again and they said it could not be waived cause i already had 1 in XXXX which by the way i caught and told them that was not right and they waived it..so in XXXX that was their fault too. So XX/XX/XXXX I was on Regions Bank XXXX page seen how they have done this to alot of people. Alot was mad..and i made some comments., when i did someone from Regions told me to email them my phone number. So i did. She called and said she was just in the complaint dept. Took all my info..but didn't really say what she was gon na do., but said i don't know if i will call you back or not. So how am i supposed to know if they look into it? I just want my {$250.00} fees waived back to me! This thing they do which is called reordering transactions should be illegal. Thank you for your time in reading this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-29 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: TX

Complaint narrative:
-I reported to Experian that the only address that should be showing on my credit report should be XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX and XXXX should be the only phone number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29 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: TX

Complaint narrative:
-I reported to XXXX that the only address that should be showing on my credit report should be XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX and XXXX should be the only phone number.

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 2019-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
I have a variable rate mortgage. The interest rate resets each year. The " new '' rate is determined by taking a base of 2.25 % and adding in the 1 year Libor rate as of XX/XX/XXXX of that year. On about XX/XX/XXXX of each year, I get a notice telling me that my loan percentage is goingto reset and what that reset % would be if it were done on that date. This year, when I received my " reset '' letter on XX/XX/XXXX, it told me that my new rates was going to be 4 7/8 % based upon the fat that the current 1 year Libor rate was 2.61425 %. That percentage plus the base yielded a 4 7/8 %  rate. 
However, the 1 year Libor rate changed dramatically between XX/XX/XXXX and XX/XX/XXXX ( went down from 2.61425 % to 2.15 % ). My contention is that my new loan rate should be 4.4 % ( 2.25 % base plus 2.15 % 1 year Libor ) or at worst 4.5 % if they round up rahter than the 4 7/8 %  which I cam currently being charged. 

I have called the loan processor 4 times attempting to get this question answered to my satisfaction. In spite of numerous attempts to do so, I have not gotten a satisfactory answer as to why the rate is what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: MO

Complaint narrative:
On XX/XX/2019, I filed a dispute with regarding a collection account tradeline reported by XXXX XXXX XXXX to my XXXX and Transunion credit files. On XX/XX/2019, I received a notification that the dispute had been completed and no changes were made as XXXX XXXX XXXX had certified to XXXX that the information was accurate. Around XX/XX/2019, I received the same notification from Transunion that the dispute had been completed and no changes were made. As XXXX XXXX XXXX has failed to respond to my debt validation letters, I contacted XXXX and Transunion between XX/XX/XXXX and XX/XX/2019 requesting copies of of the documentation provided by XXXX XXXX XXXX verifying the reported collection account tradeline. Instead of providing the requested documentation, XXXX & Transunion refiled disputes of the tradeline and again reported it had been verified within 2 weeks of filing. 

Due to speed in which the dispute was resolved and because I have not received any documentation from either XXXX & Transunion, I feel that 1 ) XXXX XXXX XXXX is using a auto-validation system instead of actually researching the dispute as required by the Fair Credit Reporting Act and 2 )  XXXX and Transunion do not posses any legitimate form of validation of the disputed tradeline.

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 2019-09-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I had leased a car and my mother had got a XXXX XXXX XXXX which lead to a XXXX XXXX, so I called Southeast Toyota immediately to let and make them aware of the situation.Going on my third miss payment Southeast Toyota did not make me aware that they would come in the middle of the night and took the car, I then assume someone stole the car so I had call 911 and thats how I knew it repo.I called Southeast Toyota to pay the three missed payments and their representatives told me that I will have to come up with eight thousand plus or else they will proceed with a quick sale.A few days later they told me that it was sold for eight thousand plus and I owe thirteen thousand plus.

Company response to consumer: Closed with explanation