vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 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: Continental Finance Company, LLC
State: TN

Complaint narrative:
This complaint is associated with complaint # XXXX and XXXX. Continental Finance and XXXX XXXX revolving account has not giving me a reasonable answer as to why my payment to this account is not being reported in a timely, accurate manner. I have spoken with Continental Finance/XXXX Credit Card and XXXX repeatedly about this concern. I finally was able to speak with XXXX at extension # XXXX from Continental Finance. He had reached out to the Continental Finance/XXXX Credit Card department that handles disputes, complaint, and reporting agency issues, on my behalf. He followed back up with me today XX/XX/2018 to tell me that XXXX needs to unfreeze my tradeline because any dispute that I have open will cause my file to not be updated. He explains that this is what has happened in the last three months. My disputes in the past has caused the credit card company and XXXX to block any updates to my account. Continental Finance/XXXX has confirmed this issue is due to XXXX XXXX system and XXXX has confirmed that the an issue is with Continental Finance 's system. My account has not been update with my XXXX credit report since XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
XX/XX/2018 I tried opening an account with USAA I had previous relationship with them when I used to have an Auto Insurance policy with them. Was told that my online account was under review and to call back next week. On XX/XX/2018 on called to USAA security department was told that I was clear and that they found nothing wrong with my account and transferred to new member services to open up a checking account. I was told by them that my account was still locked and that they were not going to open up a checking account with me and never stated a reason why? later phone call would stated that my previous military services was the reason why I was denied an account. None of that was ever discuss in our previous phone call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FCU with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
A woman named XXXX XXXX advertised an XXXX XXXX  on XXXX XXXX. She lied about it, collected {$250.00} from me on XX/XX/XXXX through XXXX, and never sent me a package and refused to give me a tracking number or a refund after lying and telling me she had and then proceeding to ignore my messages and block me on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I received a letter from XXXX, XXXX XXXX XXXX XXXX, XXXX in regards to XXXX XXXXXXXX XXXX XXXX stating that they wanted to collect on this loan on behalf of Navient. I went to XXXX XXXX  from XXXX to XXXX. I was approached by Navient in XXXX to pay a debt of {$10000.00}. Navient called me night and day and harassed me. They representatives lied and told me that I was responsible for this loan because it was part of my Stafford loan. I was so scared at the time because I did not want to have it affect my credit. They used fear, shame, and annoyance tactic to get me to pay on this loan. I still do not recognize this loan. I made payments at the time under the guise that the balance was part of my Stafford loan. I have 12 federal loans with Navient at the time. When I discovered that I have no recollection of the loan, I demanded a copy of my original loan paper, I never received the original and was told that it was a transferred loan. 

Currently, I have obtained legal counsel and wrote to XXXX, XXXX XXXX XXXX XXXX, XXXX demanding the original loan document and for the statue of limitation of the original document. I do not acknowledge these two creditors and the original loan 's statue of limitation ran out in since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
The company mentioned herein has listed an account on my credit report that does not belong to me. I have or had absolutely no dealing whatsoever with this this company or its affiliate creditor. This company and I have never exchanged any communication whatsoever. Thereby, this company has never contacted me ; thus not giving me an opportunity to request verification of this alleged debt. The company went straight ahead and reported an unverified account to the Credit Reporting Agencies. I believe that my rights under the Fair Debt  Collection Practices Act have been blatantly violated by this unknown company. 
The information listed on my credit report is as follow ; Creditor Information : LTD FINANCIAL SERVICES XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Amount allegedly owed : {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: BANK OF THE WEST
State: CO

Complaint narrative:
I mailed two disputes to bank of the west. Im not satisfied with the purchases on my credit card except {$100.00} to XXXX and {$10.00} to XXXX XXXX. They ignored my letter and wont investigate. I didnt make purchases except those two. I thought my husband did because he made me give him a card but i dont know for sure because bank of the west wont give me the credit card slips or videos of when it was used. I want it investigated. They ignored my letter and are still trying to collect. Im supposed to send the letter within 60 days of when i get a statement but i was promised a statement a week ago by the manager of the local branch and im still waiting. I dont have an itemized list of purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax refuses to remove an account which should have been deleted due to the FCRA guidelines. This account is beyond 7 years of the last payment made.

I request that Equifax delete XXXX XXXX account from my report immediately Equifax has reported incomplete and un-verified dates of Payments, Date of 1St Delinquency and date of last payment Equifax has the Date of Last Payment XX/XX/XXXX but list the account was not paid for 60 days on the account history Equifax has the date of the 1st deliquency XX/XX/XXXX and then has the account being 120 days delinquency on account history Equifax has not records of the amounts of these so called payments All of these things are false and have been entered by Equifax employees with out merit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: TN

Complaint narrative:
This complaint is associated with complaint # XXXX and XXXX. XXXX XXXX and XXXX XXXX revolving account has not giving me a reasonable answer as to why my payment to this account is not being reported in a timely, accurate manner. I have spoken with XXXX XXXX Credit Card and Transunion repeatedly about this concern. I finally was able to speak with XXXX at XXXX XXXX XXXX from XXXX XXXX. He had reached out to the XXXX XXXX Credit Card department that handles disputes, complaint, and reporting agency issues, on my behalf. He followed back up with me todayXX/XX/2018 to tell me that Transunion needs to unfreeze my tradeline because any dispute that I have open will cause my file to not be updated. He explains that this is what has happened in the last three months. My disputes in the past has caused the credit card company and Transunion to block any updates to my account. XXXX XXXX has confirmed this issue is due to Transunion 's system and Transunion has confirmed that the an issue is with XXXX XXXX XXXX system. My account has not been update with my XXXX credit report since XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Chase total Business checking account as well as the Chase Premier checking account. There had been a lot of struggle for Chase to unify the customer profile and still the issue was not fully resolved. Ideally Chase should not outsource the IT jobs and hire some good quality ( not cheap ) IT folks here to fix these kind of trivial issues.

Due to all these challenges - I decided to close both of my accounts. Prior to that - I transferred the money out of my accounts. Also sent an email via Chase secure message center to close my account.

Rather than closing my total Business checking account - Chase keep on saying - come to the branch to close the account etc ... and further put a {$12.00} fees as monthly maintenance fees ( yes, of course when somebody wants to close the account due to poor customer experience they will take out all the money and then close the account ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This has been and ongoing issue and I each time before seem to have been ignored. Wells Fargo had ignored my personal concerns so much to the point of having time run lower and lower with this issue. Their last response they had stated that the statute of limitations had run out. Even with my first contact by telephone I was given the runaround without any straight answers. Each phone call nothing to nowhere. I had even asked if I could speak with a supervisor. They told me that they were not available. I know that it has been sometime. The FDIC is the folks who referred me to the CFPB. Wells Fargo had kept asking for days, dates and amounts of transactions. I told them each time I have no idea the exact amount. I do not even know the exact dates. If I had known I would have provided them with that info. I not that long ago had a bit of a windfall. That being said with my personal savings and checking was up to {$20000.00} dollars. I myself rarely spend money I have to be careful and using sparingly. I am a XXXX person and do not have much money. Wells Fargo is the bank that has held my account for many years. I do believe that it is their responsibility to keep that money safe. Wells Fargo knows how much money that I have and they also know that I can not afford an attorney. If I could have afforded an attorney I would have seen one as soon as they denied and misappropriation of personal funds. I do not qualify for much of any help and or assistants from any law service. Wells Fargo knows that I'd never be able to retain any forms of representation. So that is why I believe I had been ignored all this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Was calling around to inquire about mortage/HELOC rates, had one sales rep say he can " pre-qualify '' me without it hurting or any bad marks hitting my credit report, after the phone call my credit had an inquiry that I did not want and went down about 5-6 points. I tried calling the issuer at XXXX but says company is no longer in service, I feel like I've been taken advantage of. 
I have since frozen my credit reports to prevent any further unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I am a new citibank banking customer, I deposited {$15000.00} into a new Savings account and am unable to link an external bank account which would allow me to transfer funds back out of the account. I followed all steps online to link an external account, however when I try and make a transaction with the external account I receive the following message : We've encountered an issue and are unable to complete your online transaction. If you're having problems completing this process, please call Customer Service at XXXX press Option XXXX then option XXXX, or call XXXX XXXX if you are outside the U.S . Please have your AT

M or Debit Card number available. I have contacted Ci
tibank 5 times on the phone for this matter and none of the agents have been able to assist or find the problem. I have been told that my account is marked for fraud and have been sent to the fraud department three times, each time I validate my information and they tell me they can not help and transfer me back to technical support. 

After being sent in circles, I requested a supervisor callback, was told I would be contacted within an hour and never was called back. I called in 8 hours later, spoke with another supervisor, XXXX, who was extremely rude, she talked over me, interrupted and told me I needed to call back and talk with someone in the fraud department the next business day. After telling the supervisor, XXXX, that I had been sent in that loop all day, she told me she couldn't help and ended the call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC
State: LA

Complaint narrative:
Loan has been sold multiple times. All payments have been made but current servicing company ( GMFS ) claims did not receive payment from previous company ( XXXX ). All available documents including proof of payment via bank, bank statement showing electronic payment, letter from the Bank Manager, and letter from previous company have not led the current servicing company to reverse late charges, correct credit reporting, or credit previous payment and principle to account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: CO

Complaint narrative:
Bought a shirt at XXXX, XX/XX/2016 at a local shopping store for a business meeting. Lady at checkout asked if I would like a discount and would just need a few pieces of info, 10 minutes later she is still filling out the form and asked why she needed my Social Security Number and proceeded to tell me that its standard to create an account and never once told me she was signing up for a store credit card and pulling my credit. 

Have called XXXX XXXX and closed the account. 

Looking over my report this account still shows up, and should of never been there in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 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: NY

Complaint narrative:
XXXX XXXXXX/XX/XXXXthere was a a hard inquiry made by someone who was not me. This was not authorized by me and I have no idea who authorized it. From talking to XXXX XXXX they said someone tried to apply for a new card. This was not me as I already have XXXX XXXX and am content with my current card. No need for me to get an additional one. Whomever applied under my name apparently had inaccurate information which is what led for them to be denied from my understanding. Again this was 100 % fraud and not authorized by me and I hope the creditor XXXX XXXX will remove this from my file being since it was never obtained by me. Thank You, XXXX 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 2018-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/XXXX I called Transunion in regards to hard inquiries that were removed, then reinserted on to my report without receiving any notice ( FCRA Violation ). I was hung up on by the representative ( XXXX  ) after he refused to remove them. The Inquiries in question are as follows : XXXX reinsertedXX/XX/XXXX XXXX XXXX XXXX XXXX reinserted XX/XX/XXXXXXXX XXXX reinsertedXX/XX/XXXX XXXX XXXX XXXX reinserted XX/XX/XXXXXXXX XXXX XXXX XXXX reinserted 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 2018-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I held a credit card with Citibank for which an annual fee was billed to me on XX/XX/2018. A couple of weeks later ( on or around XX/XX/XXXX) I discovered that Citibank had unilaterally closed all of my accounts with the bank.

When I called Citibank to discuss the annual fee after learning my account had been closed, the representative informed me that since the account was closed within thirty days of the fee being billed, the fee would be automatically refunded.

When the following statement came with the amount still listed as past due, I promptly called Citi and a representative assured me the refund would be issued on my next statement. Of course, that didn't happen either and when the next statement came, I was pretty upset to see the amount still being billed to me.

As a result of my next call to Citibank Customer Service on XX/XX/XXXX, I was informed that " since the account was closed, the membership fee will be credited within 1-2 billing cycles. '' My latest statement still showed the amount past due, but since the previous phone rep had quoted me at 1-2 billing cycles it seemed pointless and unnecessary to call customer service again.

I happened to log into my online account this evening for an unrelated matter, however, and saw a notice that the account in question is now being sent to collections.

I have attached my statements related to this account since this issue began ; however, please note that Citi 's statements do not accurately reflect that the account is closed. Each statement shows an available credit limit of {$5000.00}. Therefore I am also attaching a screenshot from my online account that correctly indicates the account is closed.

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