vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have various credit cards with Capital One and they are an excellent company! I truly love them but they have not fixed the late payments that show on my credit report and I am trying to remove those late payments from my credit report since I am trying to buy a house and they are affecting my credit score. 
Late payment dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I have various cards with capital one but it is the account that ends in XXXX that was opened in XX/XX/XXXX with the credit limit of XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I Express mailed Qualified Written Request '' QWR '' to XXXX XXXX XXXX, XXXX. as the lender and Trustee and to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX another Trustee. 
I only heard back from XXXX XXXX bank stating they would forward the QWR to the servicer. I never heard another word from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have attempted to contact the credit agencies to inform them to lift the freeze and fraud alert on my credit file because I am trying to get a car finance and they are unable to access my credit report. Please remove any blocks or holds on my XXXX, XXXX, and XXXX reports. 

Please add my contact telephone number to my credit report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS AND ONE ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-07-02 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS AND ONE ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-07-02 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: NY

Complaint narrative:
SANTANDER CONSUMER USA ACCOUNT IS LISTED AS CLOSED ACCOUNT STATUS AND COLLECTIONS CHARGE OFF IN MY CREDIT REPORT, FOR THE PAST 2 MONTHS I AM REACHING OUT TO THEM, TO CHANGE THE ACCOUNT STATUS AS CURRENT, AND I HAVE BEEN IGNORING TO CHANGE THE INFORMATION, ITS VERY FRUSTRATING FOR ME, SANTANDER IS NOT FOLLOWING THE FCRA GUIDELINE., 'STATED The FTC enforces the rule, and has guidance about your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
My credit card with Citibank was closed in the middle of XXXX with any notice. Citibank claims they can close my account at any time and not give a reason. Even if this is legally allowed, then it borders on deceptive marketing. 

Citibank sends me an advertisement to open a credit card. I have a hard inquiry on my credit report as part of the application process. I am approved. Then about four months later my account is closed suddenly without notification. I am left stranded in the middle of a trip without the ability to use my card. At the very least they could have given a warning that my credit card was going to be closed. I think any reasonable person would have that expectation. I also believe that any reasonable person that doesn't break any laws nor do anything illegal would not expect his or her account to be closed for no reason. 

Citibank needs to stop this deceptive practice and ensure that they are not closing people 's accounts for reasons that are protected by law. If I ask Citibank if my account was closed because of my race, they can not deny that is the reason. If I ask Citibank if my account was closed because of my religion, they can not deny that is the reason either.

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 2019-07-02 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:
XX/XX/XXXX : Opened a Citibank account after seeing a poster that said I would receive a XXXX  {$200.00} XXXX cash bonus after depositing at least XXXX {$5000.00} XXXX  of new-to-Citibank money into a new Checking account within 30 days of account opening, and the balance must be maintained for 60 days. The bonus will then post within 90 days if the account is in good standing. 

XX/XX/XXXX : XXXX XXXX {$100.00} XXXX cash into my new Citi XXXX account due to the required opening deposit at the branch. XX/XX/XXXX : Initiated transfer of { {$4900.00} } into my new Citi Checking account and e-mailed banker to activate the promotion in my account XX/XX/XXXX : Deposit of XXXX {$4900.00} XXXX  via ACH from XXXX Bank posts into my new Citi Checking account : Account balance in Citi Checking : XXXX {$5000.00} XXXX On XX/XX/XXXX, I e-mailed my personal banker at Citi to see why the bonus had not been received. On XXXX, I received a return call from my personal banker saying that my account was ineligible for the bonus since the {$100.00} cash from my opening deposit does not count as new-to-Citibank money, and only ACH, wire transfers, and checks from other financial institutions count as such money. I visited another branch and was told that they could not see any promotion on my account, and thus they could not find the promotion code to open a dispute for the promotion. I was never made aware of this unusual definition of new-to-Citibank money, and the cash came from my pocket and was not previously deposited in Citibank, and therefore it should be new-to-Citibank money. They falsely advertised their promotion by failing to clearly disclose the terms of the promotion, and my account is 100 % eligible for the XXXX {$200.00} XXXX bonus. I am attaching : -E-mail 1 I  received on XX/XX/XXXX showing that I am signed up for the offer by my banker -Screenshot 1 Terms of identical offer at the current time -PDF 1 Account statement for first month I appreciate your help in advance, thank you.

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 2019-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have attempted to contact the credit agencies to inform them to lift the freeze and fraud alert on my credit file because I am trying to get a car finance and they are unable to access my credit report. Please remove any blocks or holds on my XXXX, Transunion, and XXXX reports. 

Please add my contact telephone number to my credit report : 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 2019-07-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have attempted to contact the credit agencies to inform them to lift the freeze and fraud alert on my credit file because I am trying to get a car finance and they are unable to access my credit report. Please remove any blocks or holds on my XXXX, XXXX, and Experian reports. 

Please add my contact telephone number to my credit report : 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 non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
In XXXX, XXXX, I received a letter from XXXX XXXX stating that XXXX XXXX XXXX was no longer accepting payments for my mortgage. XXXX XXXX 's information on my loan amount and ending date of my mortgage in totally INCORRECT! I have sent XXXX XXXX 10 pages which shows settlement paperwork, mortgage amount being held by XXXX XXXX XXXX XXXX and then later transferred to XXXX. Both Mortgage and Assignment had been recorded in the XXXX XXXX County Record Room in New Jersey. XXXX XXXX 's letter to me shows the wrong Principal and wrong end date for Mortgage. Either XXXX XXXX sold XXXX  XXXX a LIE or XXXX XXXX is LYING. One of the two banks has definitely screwed up my Loan. How can a 30 year mortgage which began in XXXX end in XXXX when the ending date is XXXX. How can the balance be over {$76000.00} more than is owed? This is a SERIOUS PROBLEM! And it needs to be resolved.

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 2019-07-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im trying to get all 3 credit score an only 2 is showing yall not releasing my other score I dont whats the hold up I need my score untless yall going to give me some money in return to fix this problem release my score so I can become an home owner have an good day

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 2019-07-02 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In response to a TV ad I logged into a website on XX/XX/2019, and ordered a free sample of wrinkle cream. The stated cost was {$6.00} for shipping and handling. I was sent a package containing moisturizing cream and eye serum. I did not request eye serum. No invoice or price was included in the package. Without prior notification, on XX/XX/2019, a charge was made to my credit card of {$88.00} for the cream and {$89.00} for eye serum. The merchant did not communicate with me in any way, but sent another package which was refused at the post office. I notified my credit card company of the unauthorized charge, and they obtained a payment cancellation on XX/XX/2019. Another charge was submitted on XX/XX/2019 from the same merchant. Payment to the merchant was withheld at that time. The " free '' sample was returned, post paid. 

However, in XXXX and XXXX, the credit card company determined, based on documents provided by the merchant, in favor of the merchant in the amount of {$350.00}, even though I submitted my case and cited violation of 16 CFR part 251 and 16 CFR part 245.1 ( 2 )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Loan Depot has been giving me the run around on an application for a mortgage and the seller is about out of time. I can't go to another lender due to the excessive amounts of credit pulls they have done. This has left my credit damaged with no choices to go elsewhere. I have talked to managers and none care or arr willing to do anything. Im currently homeless because of this and have included a copy of a form the lender sent that lists the excessive amounts of pulls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient has reported incorrect information on my credit report. I have several monitoring companies alerting me about my credit report. Navient has reported duplicate accounts on my reports for the same account. Navient needs to correct or delete the duplicate accounts that they have been reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: MT

Complaint narrative:
I reported my complaint to you back in XXXX and XXXX of this year about ditech not giving me my payoff for my mortgage loan .They responded to it with nothing but lies .the dates they gave you were phone calls from me to them about the same problem. I received two separate letters from Ditech stating they were checking into my problem and it would be thirty days befor they would respond. Well its now XX/XX/XXXX and still nothing from them .All I know is their filing for another chapter XXXX but will not return my request for my payoff.If I try and call I am put on hold for over an hour and half.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I DO NOT KNOW WHO THESE ACCOUNTS ARE : COMENITY BANK {$3300.00} XX/XX/XXXXXXXX XXXX {$1500.00} XX/XX/XXXXXXXX XXXX {$2800.00}XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$980.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
Received the loan for {$500.00} on XX/XX/XXXX in store after the previous loan was paid off on XX/XX/XXXX for {$550.00} over the phone. The XX/XX/XXXX should have been due on my next payday XX/XX/XXXX, but the online system stated my payment wasnt due until XXXX. I tried to make a payment on XX/XX/XXXX through the online system, but for some reason it dated my payment for XXXX. I called customer service on XX/XX/XXXX and XX/XX/XXXX, to try to resolve the issue and both times the wait was over 2 hrs before I had to disconnect the call due to no response. I allowed the payment to process for XXXX, which it did ( I  have proof from my bank statement ). I waited 24hrs and  went to the branch to take out another loan, like normal. Once I got there the store representative advised my loan still showed open, but had a XXXX balance. I was advised I would have to wait until the account status showed closed which could be another 24hrs, and that I should call the online customer service to see what the issue is. I called the online customer service and waited about 30 mins and finally got ahold of the representative, I explained the situation and they told me because the payment was setup ACH and initiated in a branch ( even though the payment was made online ) and in the state of Florida I would have to wait 7 banking days before I could do another loan. I advised the representative at no time during creating my online account, through dealing with customer service, or through setting up my payment was I advised the time frame and ACH would have to process for. The representative said Yea we know we have issues with the website but advised nothing could be done. I feel it is egregious how this company is allowed to take my funds to pay my account immediately, but I have to wait because I wasnt advised on the time frame of the process. I have been doing business with this company for at least a year, so this isnt a new account issue. I also have other consumers who are dealing with the same issue with this company as well. This cant seem right. I am also seeking legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Action Financial Services, LLC
State: TX

Complaint narrative:
I called action financial services, they had outdated expenses for me. I moved to an apartment they did not accommodate the move and started garnishing my wages with no warning. One of my entire paychecks was going to rent every month. Now one paycheck is not even enough to pay my monthly rent. I called the department of education and they said there was nothing they could do except mail me financial hardship forms which will take 7-10 business days to arrive. On top of that a processing time of 30 days. I won't be able to afford my next months rent, utilities, and expenses.

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 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Student Assistance
State: MS

Complaint narrative:
Account was paid in full on XX/XX/2019 and still showing on my credit report with an amount. The accounts are showing up twice on my credit report. Also, my income taxes was taken twice by this company. Second time I call and had to wait for them to send my check back to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2019-07-02 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I noticed this account on my credit report. It is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Having pulled my credit report from Equifax I noticed a fraudulent hard inquiry and previous address. I tried to dispute it using their online dispute tool but it told me it was unavailable and gave me a number to call. After calling the number and battling for a hour to get to a person the person told me that I couldn't file it over the phone and would have to mail or fax in documents to begin my dispute. I called their competitors and they were able to handle my dispute and it turns out the fraudulent information was not on their records. There is no reason in 2019 that anyone should have to mail or fax in documents to submit a dispute something on their credit report. I wish I could take my business away from Equifax but unfortunately consumers don't get that choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: NY

Complaint narrative:
XXXX XXXX XXXX ACCOUNT IS LISTED AS CLOSED ACCOUNT STATUS AND COLLECTIONS CHARGE OFF IN MY CREDIT REPORT, FOR THE PAST 2 MONTHS I AM REACHING OUT TO THEM, TO CHANGE THE ACCOUNT STATUS AS CURRENT, AND I HAVE BEEN IGNORING TO CHANGE THE INFORMATION, ITS VERY FRUSTRATING FOR ME, XXXX IS NOT FOLLOWING THE FCRA GUIDELINE., 'STATED The FTC enforces the rule, and has guidance about your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide.

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