vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-09 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: TX

Complaint narrative:
I feel that my credit is bad due to no updated information. My credit shows that it is about 3 months behind.

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 2019-04-09 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have a mortgage that is serviced by XXXX XXXX XXXX XXXX, XXXX, Account # XXXX. My payments of {$1200.00} have a grace period of the 15th of the month. I sometimes pay just after the 15th because of my pay period and accept the late fee of {$52.00}. I have always paid within the month and have never paid after the month end ( XXXX, XXXX, or XXXX ). My account is current ( always has been ) and " Paid as Agreed '' status. 

For my XX/XX/2019 payment, I submitted my payment of {$1200.00} ( late fee included ) online on XX/XX/2019. I received a confirmation email ( attached ). It was to be withdrawn from my Chase Checking account on XX/XX/XXXX. 

On XX/XX/2019 the payment had not been deducted from my checking account, so I contacted XXXX, who told me my Loan had been purchased and was being transferred to Chase Home Mortgage. The transfer started on XX/XX/XXXX and I would be able to access my account information on the Chase website starting XX/XX/XXXX. My payment, since it was paid electronically would eventually be withdrawn from my checking account. 

On XX/XX/XXXX, I logged into the Chase website to view my transferred account Account # XXXX and it indicated I was " Past Due '' for my XX/XX/2019 payment. I immediately contacted Chase Home Mortgage Customer Service and explained the situation, she said " Don't worry '' the transfers have a 60 day grace period and you will not be reported late. She opened a case to locate the " Missing Payment. '' I told her I had the email confirmation and it was submitted electronically. She said it will eventually show up. I said when I pay my XX/XX/2019 payment, will they post it to XXXX or XXXX, she said XXXX. I felt somewhat relieved by the 60 day transfer grace period and that, at least, I would not be reported 30 Days Late. 

On XX/XX/XXXX, I received a credit monitoring alert to my phone with a message that " Derogatory '' information on you Mortgage Account has been updated in you credit bureau. I logged in and sure enough, XXXX, XXXX is reporting me 30 Days Late for my XX/XX/2019 payment. I was livid!!! 

I should not be reported 30 Days Late as I was not 30 Days Late, the mortgage transfer has my payment in a black hole somewhere. I should no be penalized with a derogatory mark on my credit bureau for a system issue in the mortgage transfer to Chase. This is very unfair and somewhat of a deceptive practice. Moreover, this is inaccurate record keeping by a financial institution. 

I am requesting this 30 Days Late be removed from all three of the credit bureaus ( XXXX XXXX an XXXX ) and updated to reflect " Paying as Agreed. '' I am beyond frustrated with this situation and the customer service from XXXX, XXXX. 

Any help is appreciated! 
Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I'm trying to make a principal payment to the loan in order to pay it earlier. They say that their system won't allow it. Any extra payment I make part of it will go toward future interest and the other part toward principal, even though I'm making the regular monthly payment. I want they to apply all the extra payments to principal in order to reduce the interest payments and term of the loan. 

They never disclose that when I signed the loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: FL

Complaint narrative:
I contacted Experian, XXXX and XXXX  credit bureau in regards to a repossession account with XXXX XXXX. I cited 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

Due to the fact that I was never notified of the vehicle being sold and a few other errors on this account. I was not provided with any copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

It was just simply placed on my reports as " Subscriber reports dispute resolved - consumer disagrees '' and " Completed investigation of FCRA dispute - consumer disagrees ''. 

I have not been provided any of the things to prove this debt is mine. Therefore they are in violation of my rights.

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 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
In XXXX of 2019, XXXX, XXXX sold and transferred our mortgage to another mortgage company, now called Mr. Cooper, formerly XXXX, XXXX. 

There were no late payments on our mortgage with XXXX XXXX XXXX  . 

The transfer took place during the month of XXXX, 2019. And as soon as we received notification from Mr. Cooper, we remitted our mortgage payment for XXXX - this was on or around XX/XX/2019. 

There are currently no late payments to Mr. Cooper, formerly NationStar. 

The Seterus mortgage loan was marked as CLOSED, rather than SOLD/TRANSFERRED to the credit reporting agencies, and as a result, my personal XXXXredit score plummeted 40-45 points. 

To the date of this complaint, XX/XX/2019, the loan is still marked as CLOSED, and both my and my wife 's credit scores have been severely impacted. 

We have been in discussion with Mr. Cooper to get this situation rectified, but they are relaying confusing and often contradictory information regarding the way this loan is being reported and is going to be reflected on our credit reports and with the credit reporting agencies. 

While the company Seterus is now " closed '' and is defunct, a representative at Mr. Cooper is telling us this is why our mortgage is being reported as CLOSED. 

This is factually incorrect, as our mortgage was sold and TRANSFERRED to Mr. Cooper, formerly NationStar. 

Also, we have recently found out the XXXX XXXX XXXX actually XXXX XXXX XXXX XXXX from XXXX - so there is no reason on earth why our mortgage should ever have been reported as CLOSED, which again, has affected our credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I WAS CHARGED FOR SEVERAL AMOUNT ON MY DISCOVER CARD ON SEVERAL DIFFERENT DATES. I CALLED DISCOVER AND REPORTED FRAUD AND THEY DID GIVE ME THE CREDIT BUT THEN THEY TOOK IT BACK BECAUSE THEY SAID THAT I PAID MY BILL, AND THEY DONT UNDERSTAND WHY I WOULD PAY FOR MY BILL IF I DIDNT MAKE THE CHARGES. I EXPLAINED TO THEM THAT I HAVE HEALTH ISSUES AND DID NOT LOOK OVER MY STATEMENTS BECAUSE I DO USE MY CARD TO PAY BILLS AND SHOP HOWEVER I NEVER PAID THESE AMOUNTS FOR XXXX XXXX XXXX ON MY CARD FOR ANY TRAVEL COMPANIES OR TIMESHARE. I DID NOT AUTHORIZE THESE CHARGES AND I DONT KNOW WHO THESE COMPANIES ARE. BUT THEY DISCOVER CARD REP WAS RUDE TO ME AND WAS NOT VERY HELPFUL OR DID NOT CARD TO PROTECT ME AS ONE OF THERE CUSTOMERS. PLEASE HELP ME GET MY MONEY BACK. DISCOVER DID GIVE ME THE CREDIT ON MY CARD FOR ALL THREE TRANSACTIONS BUT TOOK IT RIGHT BACK. WHAT WOULD HAVE HAPPEN IF I USED THIS CREDIT THEN I WOULD OWE MORE MONEY TO THEM. THIS IS NOT RIGHT AND I SHOULD BE PROTECTED AS A SENIOR CITIZEN. I HAVE NO IDEA WHO THESE COMPANIES ARE WHO CHARGED MY ACCOUNT AND I WOULD LIKE MY MONEY BACK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
wells fargo raised my payment 3 mo in a row.I contacted att general so this stopped..then they started charging a 45 % late fee which they stopped and deny..It has been 8 months since I made a payment.I have asked about 8 people in the executive office to forclose.they seem to refuse..the house has been vacant since XX/XX/2018.last week, I sent in a letter to surrender the property..I got a packet with a lot of lies..they are going to keep charging me payments and late fees.this could go on forever.I am a XXXX yr old, with lots of health problems.I don't even make XXXX per month, and can not afford this propery since my son had to move because wf kept raising his payments the inspector went out and verified that the property is vacant and said the doors would be boarded up and the house winterized..It needs a tarp on back flat roof as it is leaking badly..wf is also not sending the inspector back out..all they want is to keep charging payments and late fees ... I need your help badly. thanks

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 2019-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
NETNET NEVER INFORMED ME TO PAY A MONTHLY INTEREST RATE. MY ONLINE ACCOUNT SHOWS THERE IS NO RE-PAYMENT UNTIL XX/XX/2020. THIS HAVE NEGATIVE IMPACT ON MY CREDIT REPORT AND SHOULD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
On XX/XX/XXXX I received a car loan from XXXX XXXX. On XX/XX/XXXX World Omni Affiliate issued a credit for XXXX and recognized the error on the overcharge and gap mistake.They advised me to keep the letter so credit could be issued in case they didn't correct the problem. On XX/XX/XXXX I noticed paint chips on the door and hood I reported it unfortunately I wasn't in possesion of my contract it was in one of many file cabinets. The dealership XXXX XXXX XXXX stated it wasn't on the service contract. That was untrue It was on the manufactured sticker for XXXX and XXXX for the pinstrip protection plan as well as manufactured warranty.I followed up on plans and services with the XXXX XXXX XXXX they stated only plan that was covered was the Power Train Warranty that plan is already a standard plan for the XXXX XXXX XXXX miles they doubled billed me. On XX/XX/XXXX I asked about the plan first thing they stated I could get a refund. According to the representative of XXXX XXXX XXXX no refund has ever been given. I shared the information with the XXXX XXXX XXXX they then stated we changed ownership and those plans are no longer valid I asked would they like to here it from XXXX XXXX XXXX XXXX or XXXX XXXX on speaker phone they declined. I asked for an updated copy of the contract the figures were in correct although it resembled the conditional offer. None of the math was correct, No services were no longer vailid because they stated due to change in ownership. Failed to write a lawful contract with the XXXX showing credit. XXXX XXXX failed to investigate after constant messages and certified letters. Two trips to the dealership to get a lawful credit and resolve the issues because of the overcharges failed to honor the terms of the contract. North Carolina Law says this is a breach of Contract as well as the American bar association. I have letters dates and times and three different contracts to show just cause. The company simply refused to address the issues. I declared the contract breached after legal advisement based on facts. Returned the vehicle with full month payment on XX/XX/XXXX to XXXX XXXX in XXXX XXXX to try to work on settling the issues. XXXX XXXX stands by a breached contract even after receiving a letter for credit and warranty issues. I've also issued a formal complaint with Omni Financial corporation an affiliate that wrote the credit letter no lawful action has been addressed on there very original contract states it can be rendered invalid if there agreement has not been kept or my agreement has not been kept. All services had been completed all ageements on payments have been met until it was a clear breach of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: FL

Complaint narrative:
I contacted XXXX, Transunion and XXXX credit bureau in regards to a repossession account with XXXX XXXX. I cited 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

Due to the fact that I was never notified of the vehicle being sold and a few other errors on this account. I was not provided with any copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

It was just simply placed on my reports as " Subscriber reports dispute resolved - consumer disagrees '' and " Completed investigation of FCRA dispute - consumer disagrees ''. 

I have not been provided any of the things to prove this debt is mine. Therefore they are in violation of my rights.

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 2019-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted XXXX, XXXX  and Equifax credit bureau in regards to a repossession account with XXXX XXXX. I cited XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

Due to the fact that I was never notified of the vehicle being sold and a few other errors on this account. I was not provided with any copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

It was just simply placed on my reports as " Subscriber reports dispute resolved - consumer disagrees '' and " Completed investigation of FCRA dispute - consumer disagrees ''. 

I have not been provided any of the things to prove this debt is mine. Therefore they are in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting a collection on my credit report that originated with XXXX XXXX but was sold to a third-party collection agency in 2013. ( Please see page 8 of the attached credit report ). However the date of last activity is over 7 years old and this reporting is a Fair Credit Reporting Act violation. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My payment was due XX/XX/2019. I paid on XX/XX/2019 well before midnight EST. And I was charged {$38.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09 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: NY

Complaint narrative:
I had a Citi/AAdvantage Platinum XXXX XXXX XXXX XXXX for almost 6 years, always paying before the due date and always paying in full. 

On XX/XX/2019, I logged into my Citibank online account to check some stuff over there and I noticed that it said that my credit card account has been closed. So I called Citibank to let them know that neither me nor any authorized user had requested to close the account. It was then that Citibank informed me that the bank has decided to close my account " due to my history '' ( again I always paid the full balance on time ), without providing any further information. I called many times, many numbers, and even contact them on XXXX and the only thing they could tell me is that I have to send a letter to a Citibank XXXX XXXX in XXXX XXXX, SD and wait for a letter back that could take up to 30 days. There is no phone number or email to contact this secretive Citibank department in XXXX XXXX, SD that unilaterally decided to close my credit card account without giving any previous notice. 

I am currently travelling and Citibank have put me in a very delicate situation with the action that they have taken. 

I never thought that in a country like the United States of America a company that it is supposed to be serious would do something without proper notice or the possibility to talk to someone right away to solve any issues, rather than having to send a letter as if we were living in the 19th Century.

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 2019-04-09 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:
The wrong name is reporting on my credit report. Some of the information showing does not belong to me and needs to be removed immediately! I complained to the FTC. 

FTC Complaint # XXXX Account : XXXX XXXX Account # : XXXX Balance : {$560.00} Opened : XX/XX/XXXX XXXX Bank Account # XXXX Balance : {$310.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$20000.00} Account : XXXX XXXX   Account # : XXXX Balance : {$4000.00} Opened : XX/XX/XXXX Account : The XXXX XXXX Account # : XXXX Balance : {$500.00} Opened : XX/XX/XXXX Account : XXXX XXXX Bank Account # : XXXX Balance : {$260.00} XXXX Account : XXXX Account # : XXXX Account : XXXX Account XXXX XXXX Balance : {$1300.00} Account : XXXX Account # : XXXX Balance : {$750.00} ( Limit ) Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Social Finance, Inc.
State: WI

Complaint narrative:
I called SoFi and asked for paper statements as I was losing internet and computer. They said they only issued paper statements. I asked for a copy of that policy. They refused. I asked who governs their banking practices, they refused to tell me. I wanted to know if it was the Office of the Comptroller of Currency or the Federal Reserve. They said they are a private lender. So I learned they are governed by the Consumer Financial Protection Bureau, but they refused to tell me that information. They DO NOT have a license to operate in the State of Wisconsin, I live in Wisconsin. I asked for her last name, she refused. I asked for her supervisor, she refused. I asked for a copy of our conversation, she refused. I asked for a monthly statement to keep track of my balance, she refused. I asked for a copy of our loan agreement, she refused. I asked for my interest rate and when my loan would be paid off, she refused.As I am XXXX years old, with serious XXXX and health and XXXX  problems and lots of other issues, this is very stressful. Can you help? All I want are things in writing from this company and monthly statements.

Company response to consumer: Closed with explanation