vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: VA

Complaint narrative:
Starting XX/XX/XXXX, I contacted the corporate office about the local stores collection procedures. They had the director assign One rep to collect partial payments. This was done, ok until XX/XX/XXXX, a new manager tried to impersonate the assigned rep. After, the assigned rep has refused the payment plan and refused providing contact info for reg director, I believe they have caused erroneous charges in interest and fees putting my one vehicle for a XXXX person in jeopardy of being repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: LA

Complaint narrative:
On XX/XX/2020, I made an internet payment on my Conn 's Home Plus credit account using my debit card in the amount of {$1500.00} which was indicated to be the payoff. I received an email with a confirmation number of XXXX indicating that the payment had been received and would be applied to my account. The payment is listed on their website and I have the email however it has not been applied to my account which has continued to accrue interest and now late charges. I have contacted their customer service on four different occasions and have been contacted by their collection team once since that date. Each time the representative can't explain why a payment that is on file has not been applied to my account and claim to have escalated it to their accounting team. While kind, I don't believe that they are seeking to clarify the issue and correct it for me. I am concerned about the possibility of this affecting my credit score if reported as late when the account should be paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX  and XXXX are furnishing data from XXXX XXXX for a bankruptcy and the courts have stated they did not provide this information to any of these entities.

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 2020-03-11 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: GA

Complaint narrative:
My name XXXX XXXX ... ..I have been a victim of IDENTITY THEFT ... ..I have previously submitted documentation including a IDENTITY THEFT AFFIDAVIT supporting my claims and the account was removed prior but has now made its way back onto my report with a different name and account number ... .it was previously listed as the XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX and the amount owed was {$1700.00}, it was also listed as XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX XXXX XXXX same acct XXXX XXXX amount owed XXXX ... .this by itself should raise a red flag ... .all these different names!! Now it's being listed as XXXX , XXXX acct # XXXX amount owed XXXX ... .I have never rented any apartment in XXXX , Georgia . I have never lived there ... .this is a fraudulent account and I want it to be removed immediately! it dropped my credit score almost 100 pnts and the CREDIT bureaus are negligent they just list items without any proper validation of debt, and these types of errors ruing peoples financial lives!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had an opened account with XXXX/Walmart around XXXX of 2019 about a month or two Capital one had became the new owner of my account and they closed my Walmart credit account. I feel like they closed my account based off the old account that I had with their company because I was originally approved by XXXX/Walmart. I stopped paying on it because I feel that I was discriminated on by capital one because of my past relationship with capital one company. I paid this old Capital one account off and they are still mistreating me when they buy other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I was told 5 years ago that in 2020 I could apply for the public loan forgiveness but now after waiting I was told the load I had does not apply. I spent 21 years in the XXXX, XXXX  with a XXXX % VA XXXX, and have been working for the XXXX for XXXX and I am amazed that the Department of education is run by the government advertises such a program that is such a scam to collect more money from people. I was told 5 years ago to keep paying and when I hit ten years to submit well after seeing them take {$350.00} of {$480.00} per month I was told I do not meet the requirements. Why are they allowed to continue this scam program? The way they are treating veterans and public service workers is a crime and has to be looked into. I am asking for your help to point me in the right direction to do this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX  and Experian are furnishing data from XXXX XXXX for a bankruptcy and the courts have stated they did not provide this information to any of these entities.

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 2020-03-11 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: CITIBANK, N.A.
State: PR

Complaint narrative:
Re : CitiCard VISA complaint Citicard refused to dispute online fraud from XXXX & XXXX ( XXXX ). In a charge posted XX/XX/2019, it said they don't do " quality control '' over rentals such as the one I'd reserved in XXXX, PR. To be clear, a receipt was provided for 700SF room and no one disputed it was switched for 200SF received. XXXX   disconnected 3 calls during my initial check in and then later argued I'd stayed, so there's nothing left to argue about. CITI knew I believed a pattern of fraud based on several reservations made, most were falsely advertised, but they refused to find fraud in that case. 
Now, another charge for rental in XXXX led to discovery of several specific misrepresentations that called for XXXX 's Book   with Confidence guaranty ( like XXXX, it claims that once their " dedicated team '' gets in the loop, you're protected ), meaning they're obligated to investigate misrepresentations and relocate the victim of this kind of sophisticated fraud at their own cost. 
To be clear, my rental now was for XXXX through XXXX, but once inside we realized the fridge defect was known prior to our arrival yet undisclosed, airconditioning was admittedly misrepresented on review, bug infestations revealed issue, and dog nuisance was on premises and well known yet lied about to me during lead up to check in. So condoning lies as modus operandi at XXXX was means of nullifying my real time claim for Relocate on XXXX. Since then, it simply sends anonymous emails declining knowledge of anything wrong, ignores calls for administrative interaction, and sending surveys for its " dedicated team '' as if that type response in his particular setting were not creepy So over {$980.00} inXX/XX/XXXX& {$2200.00} was charged where clear evidence of fraud from getgo was present and withheld even after disclosure of bad actors came out. But in both cases, the reservation agency after faking amenities present engaged on obvious lies to perpetuate the illusion that Relocation was not called for. How do we get an independent review of CITI 's resolution procedures to show its deliberate indifference toward crooked billing parties ( XXXX, XXXX )? The AZ Attorney General Complaint CIC # XXXX released the prior complaint at XXXX after documenting with no outcome. Fraud must be addressed for what it is and stopped. CITI must be called for its complicity in this ongoing criminal activity

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 2020-03-11 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:
My name XXXX XXXX ... ..I have been a victim of IDENTITY THEFT ... ..I have previously submitted documentation including a IDENTITY THEFT AFFIDAVIT supporting my claims and the account was removed prior but has now made its way back onto my report with a different name and account number ... .it was previously listed as the XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX and the amount owed was {$1700.00}, it was also listed as XXXX XXXX XXXX XXXXXXXX and also XXXX XXXX XXXX XXXX XXXX same acct XXXX XXXX amount owed XXXX ... .this by itself should raise a red flag ... .all these different names!! Now it's being listed as XXXX , XXXX acct # XXXX amount owed XXXX ... .I have never rented any apartment in XXXX , Georgia . I have never lived there ... .this is a fraudulent account and I want it to be removed immediately! it dropped my credit score almost 100 pnts and the CREDIT bureaus are negligent they just list items without any proper validation of debt, and these types of errors ruing peoples financial lives!!

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 2020-03-11 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:
My name XXXX XXXX ... ..I have been a victim of IDENTITY THEFT ... ..I have previously submitted documentation including a IDENTITY THEFT AFFIDAVIT supporting my claims and the account was removed prior but has now made its way back onto my report with a different name and account number ... .it was previously listed as the XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX and the amount owed was {$1700.00}, it was also listed as XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX XXXX XXXX same acct # XXXX amount owed XXXX ... .this by itself should raise a red flag ... .all these different names!! Now it's being listed as XXXX , XXXX acct # XXXX amount owed XXXX ... .I have never rented any apartment in XXXX , Georgia . I have never lived there ... .this is a fraudulent account and I want it to be removed immediately! it dropped my credit score almost 100 pnts and the CREDIT bureaus are negligent they just list items without any proper validation of debt, and these types of errors ruing peoples financial lives!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is not reporting any of my accounts that belong to me, the accounts are listed below : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX NONE of these accounts are reporting and should be!! yet Equifax will report fraudulent accounts that don't belong to me!! I need these accounts to be reporting properly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I HAVE BEEN ASKING USAA HOW USAA PERMANET CREDITS APPEAR ON STATEMENTS. How are they shown on statements different than temporary credits. Good Lord see all USAA CFPB RESPONSES PERMANET CREDITS APPLIED TIMELY. USAA HAS BEEN UNCOOPERTIVE IN PROVIDING THIS INFORMATION FOR OVER 2 YEARS NOW. ( ** I FINALLY FOUND PERMANET CREDITS LISTED ON STATEMENT See attatched XX/XX/XXXX STATEMENT. ** ) XX/XX/XXXX ADJUSTMENT PURCHASES CREDIT {$170.00} XX/XX/XXXX ADJUSTMENT PURCHASES CREDIT {$75.00} ( ** AND THEY ARE INCLUDED IN TOTAL CREDITS FOR THIS PERIOD ** ) just as I thought they should show but USAA HAS BEEN DENYING TWO YEARS. SO USAA Where are the PERMANET CREDITS INCLUDED IN TOTAL CREDITS THIS PERIOD XX/XX/XXXX {$470.00}???? PERMANET CREDITS see attatched USAA FRAUD CLAIM DATE XX/XX/XXXX NOW THAT I FINALLY KNOW HOW PERMANET CREDITS APPEAR ON STATEMENT I MUST ASK?? Where are the permanet credits of unauthorized transactions of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN TOTAL CREDITS FOR THIS PERIOD??????? THEY DO NOT EXSIST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Continued harassment about a debt owed from 2010. Calls after being told several times to please not call this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: PA

Complaint narrative:
My consolidation loan originated with XXXX for 20 years, fixed interest, and stipulated payments throughout the loan until the last payment in XX/XX/XXXX. Sallie Mae then took over the loan and now Navient has the loan. 
Recently I noticed they show an " estimated '' payoff date of XX/XX/XXXX. When I inquired they stated XXXX did not disclose the loan properly and that Navient recalculated the loan for what I owe. 
My legally binding terms and payment conditions were signed with XXXX back in XX/XX/XXXX. In Sallie Mae and Navient assuming that loan, they in turn should maintain the terms and conditions. 
After 2 calls, Navient again " recalculated '' my loan and then instilled a higher auto payment draft scheduled for XX/XX/XXXX which I do not authorize. 
A third call was made today, XXXX, indicating I do not authorize that payment nor do I still agree with their " recalculation '' of the payments due beyond XX/XX/XXXX. 
They state they will be sending me my original XXXX table of payments and then their table of my payments and how I am coming up " short ''. 
If XXXX calculated my loan amount, repayment value and monthly payment amounts incorrectly that is not my fault, nor my responsibility. I signed a binding contract with them for those indicated payments scheduled. 
If another company assumes the loans, they should assume the same terms, especially since I never signed anything with them allowing them to reassess my loan, nor change any terms or conditions of my original loan taken out through XXXX. 
I feel I am only legally obligated to make payments at the monthly rate for the remaining three ( 3 ) months of my 20 year fixed consolidation loan. The outstanding value of that loan is not sizable. It is the principle here of a loan company taking advantage of people, not hearing and understanding my complaint, nor acknowledging the risks they assume when acquiring terms and conditions from loans they now take over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
My information isnt right and I have accounts, loans and more on my reports that arent mine. My name is misspelled and my social doesnt match I have contacted all three Credit bureaus and all three have been unhelpful. When I try to apply for anything that checks my credit it claims that I have no credit in the United States or I have wrong information and it cant be pulled up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally financial is reporting a charge off on my account and the account is paid in full, and has been over a year! I have disputed this with XXXX  several times and they still are reporting incorrect information, most recently on XX/XX/2020, and they came back with results of me owing {$3400.00}, I also contacted ally financial and XXXX XXXX XXXX who represents ally financial!

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 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR

Complaint narrative:
Around XXXX of 2014 XXXX XXXX XXXX was bought by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX, I opened my dispute for {$1300.00}. 

XX/XX/XXXX, I closed my dispute, With the intent of disputing half the original amount. 

XX/XX/XXXX, Dispute department employee XXXX, Enters all my information for the new amount and assures me within 2 weeks time my information for the new dispute would be mailed to me. 

XX/XX/XXXX, After waiting the 2 weeks, I call in and am informed by supervisor XXXX turns out the dispute can't be reopened. That, {$200.00} is all she can do and I have no recourse but to pay {$1100.00}. 

XX/XX/XXXX, I emailed XXXX XXXX SVP, XXXX XXXX XXXX 

XX/XX/XXXX, I received a voicemail from XXXX XXXX Of Citibank 's Executive Response Unit. 

XX/XX/XXXX, I received a letter stating what had been done. 

XX/XX/XXXX, After requesting through social media to be contacted by email like Mr.XXXX had previously stated I was once again contacted by phone. 

XX/XX/XXXX, After finally receiving an email from Mr.XXXX. I emailed the executive response unit and have yet to receive a reply. 

After much back and forth, I've yet to speak with my point of contact XXXX XXXX. When I requested a direct phone number to reach someone other than XXXX it could not provided. According to the letter, I was credited {$90.00}. This coming after never receiving the {$650.00} that Citibanks dispute department assured me would be issued. This was their employees mistake and the issuance of a partial credit only affirms that mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brightwater Capital, LLC
State: GA

Complaint narrative:
The " receivables investor '' Brightwater Capital LLC has  neglected to send me a debt validation letter. Phone calls to their provided number are never answered, making it nearly impossible to have this resolved without intervention. At the present time, legal counsel for a collection agency that may or may not actually be able to collect on this debt is threatening a lawsuit. Brightwater Capital LLC should be aware of the actions of any agency they use and every party involved has provided nothing in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
I locked into a Loan Estimate in XXXX. I was told it would be submitted to Underwriting and stay locked, but received a 2nd Loan Estimate on XXXX as we were about to close. The difference between both Estimates is over {$12000.00}. Can they quote & lock an original estimate and then change just prior to closing?

Company response to consumer: Closed with explanation