vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 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: MO

Complaint narrative:
I'm disputing the following accounts due to my identity being compromised and misused to open accounts inwhich I did not authorize nor have any knowledge of. I recently demanding that the reporting credit agencies delete, block, and/ or remove these accounts immediately or submit to me certified physical contractual documentation to support their findings and rights in reporting such accounts .As an consumer protected by the rights of the FCRA and the FTC, I'm asking for my true credit report without these unauthorized accounts and inquires. I'm demanding the following accounts be removed immediately.. ( 1 ) XXXX XXXX XXXX XXXX {$0.00}, ( 2 ) XXXX  XXXX XXXX {$5600.00}, ( 3 ) XXXX XXXX {$2800.00}, ( 4 ) XXXX XXXX XXXX {$1700.00}, ( 5 ) XXXX  XXXX XXXX {$0.00}, ( 6 ) XXXX XXXX XXXX {$130.00}, ( 7 ) XXXX XXXX {$960.00}, ( 8 ) XXXX   {$690.00}, ( 9 ) XXXX XXXXXXXX XXXX ( {$680.00} ) ( 10 ) XXXX XXXX XXXX {$140.00}, ( 11 ) XXXX {$72.00}, ( 12 ) XXXX XXXX XXXX  {$71.00}, ( 13 ) XXXX XXXX {$680.00}

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 2019-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
I created a XXXX account. I added 17 valid XXXX  packs to the account totaling {$790.00}. They have now blocked my account and will not release my money to me. Stating I need to show proof of purchase of the packs. Once they loaded to the account showing valid the receipts were not kept. None of the packs have been reported. They were loading from the devices that I verified, by a cryptic link sent to the email address associated with my account. 
I have a valid XXXX XXXX account that accepts XXXX  XXXX  cards. I am being told I cant have my cash. I have sent a copy of my drivers licenses a Picture of me with my drivers license and a picture of my valid XXXX card and I am being refused my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I had an account with XXXX XXXX Card since XXXX, due to unfortunate events and bad financial habits my account had many late fees and issues. However, I always made payments till in XXXX I got into a personal situation ( divorce ) that kept me away from making my payments. Multiple time I speak with a company representative about my issues and the company provide me some help however the account when to a collection in 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 2019-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I've tried to fix this more then once but the telemarketer uses offensive words and will not help fix this problem on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: HI

Complaint narrative:
I have paid the final amount due on a mortgage, a refund was due to me in XX/XX/XXXX. I have called on a few occasions to ask for my refund to be processed. The amount was due to me in XX/XX/XXXX in the total amount of {$300.00}, I did not rec. the check. Call in XX/XX/XXXX to inquire when will I expect my refund. XXXX at the call center stated they will send a replacement check. I have not received it as of today. 

XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$94.00} I am still waiting for a refund of {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient for a year has insisted that I have an unpaid late fee of XXXX. However if you look at my transaction history over the last two years any fees I have accrued were earlier last year and those were quickly paid off. I have over paid on my monthly payments, so it would make sense that I shouldn't have any late fees. I tried contacting Navient directly, but they weren't helpful. When trying to contact them a second time to try to get them to tell me exactly when that late fee was assessed, they haven't answered me. Each billing amount includes that late fee. The fee of XXXX goes as far back as May of last year. I have included my transaction history, the bills from XX/XX/2018 to the present, and the response Navient gave me when inquired about the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 I applied for Amex platinum and got approved the application was done through the phone. Before we started the application i asked the customer service representative if doing it through the phone would affect the bonus points offer he said no that I would get those points regardless so I said okay proceed then. When I called on XX/XX/2019 and asked her details on my account come to find out the code for the bonus points is not there therefore they cant do anything, luckly I spoke to a nice lady I dont remember her name but she got me in touch with her superiors and final result they said the bonus points would be honored I was soo happy the representative said her superior would be monitoring my account and as soon as I spend those XXXX dollars within the 3 months I would be getting those points. Today XX/XX/2019 I call excited because I made the XXXX dollar purchase ( non refundable ) they tell me that they reviewed my account on XX/XX/2019 and they said Amex error this is the worst day of my life I want to cry I payed XXXX fee for a charge card that i dont never need I just wanted those bonus points I really hope amex honors what they advertised Im still hoping this is an Aprils fools kind of thing please somebody help me. These major companies are quick to XXXX us over but where are customers rights!! Amex take responsibility

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was recently a victim of credit card fraud and identity theft. Someone had opened a XXXX XXXX card in my name so I contacted XXXX XXXX and they refused to do anything about it. I then contacted the three credit reporting companies. Equifax refuses to take a XXXX XXXX card off my report that was opened fraudulently. Both XXXX and XXXX have removed this account from my report. I have submitted a FTC and police report numerous times without success with Equifax. Equifax now shows the account as closed on my report and it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I was preparing for a boat trip with my mother when she got 2 notificiations that money had been taken from her paypal so i checked and i was shocked and i still am. I asked the site that the money had been paid from but i could only get a refund from one of them but i havent got the money back yet. the other site was a donation site so i couldnt. i deleted all the saved credit cards on my paypal and reported this to paypal and im still waiting for a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had a Capital One Bank credit card opened in XX/XX/2016 thas has been marked charged-off with an original charge-off of {$710.00}. This account was manage by XXXX XXXX XXXX out of California, the company settle my account with Capital One and base on what they told me the account was paid per that agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was recently a victim of credit card fraud and identity theft. Someone had opened a Citi Bank card in my name so I contacted Citi Bank and they refused to do anything about it. I then contacted the three credit reporting companies. XXXX refuses to take a Citi Bank card off my report that was opened fraudulently. Both XXXX and XXXX have removed this account from my report. I have submitted a FTC and police report numerous times without success with XXXX. XXXX now shows the account as closed on my report and it is hurting my credit score.

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 2019-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One says i owe XXXX $ .When i never opened a account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had an account ( credit card ) with your company since XX/XX/2014 which it was charged-off, this account was under the management of XXXX XXXX XXXX, they affirm that this account has been paid off according to the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO

Complaint narrative:
Why does XXXX XXXX allowed to have companies that advertise and they endorse that say they can help you fix your credit by offering consolidation loans and then they tell you that unless you have a score of 700 or above they can't help you, in the mean time run a hard credit check and bring down your score more? 
I have gotten numerous emails, texts, and phone calls from companies endorsed by XXXX XXXX that just say that my score of XXXX prevents them from financing me. That unless I have a score of 700 or above that they can't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Been having credit problems. Tried to close accounts but cant.Now my credit scores is low. Am a father with XXXX lovely children. Tierd of paying rent. Me as a father just want to have my own home but all these hard inquiry wont let meget a loan any where. 

P.s please help me with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: MI

Complaint narrative:
This company is reporting a ticket I receive in XXXX as a new charge off in XX/XX/XXXX on my report and refused to remove it even after I have paid. Tickets are not suppose to report on credit reports. Also this debt didnt arise from a contract I agreed to pay so shouldnt be reported as a collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have been trying to do a loan modification with Chase and all they do is give me the runaround I'm 72 mo behind they dont let me make payments I have aens all doc in but always asking more

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I dont know this credit collector XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/2018 {$690.00} Collection. Now my credit is down because of this. I never go somewhere else only my Doctor I always see from XXXX XXXX in XXXX MA. I was XXXX from XX/XX/2018 to XX/XX/2018 I had XXXX as my insurance I dont know why they put my name in credit collection. Please help me I dont know this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
This debt was a result of identify theft and is NOT a valid debt owed by me. The collection is reported on my credit file with XXXX. I contacted the original creditor XXXX XXXX in XX/XX/2018 and the current debt collection company ( RentDebt Automated Collection ). My documentation supporting the dispute such as a police report, filing with the FTC, letter to the original creditor and ID, etc has been provided to the debt collection company and XXXX ; however, the collection company maintains the account status is valid debt and the collection remains on my XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: OH

Complaint narrative:
XXXX 's business practices are shady at best. Online correspondances are deleted from the site, forcing me to save every document separately. In regards to PSLF payment tracking, I have been forced to change to XXXX because they are the only servicer available for PSLF  candidates. Every year when I submit my employment certification they mess up my tracking and either refuse to approve my employment dates, or use the wrong dates that are not even included in the application submitted. I truly feel they are intentionally messing up these applications to put borrowers behind in making their 120 qualifying payments and avoid standing up to their end of the program. With my current submission, the initial application was approved for the wrong dates. When I resubmitted and asked for them to look at the application dates again, the same application was rejected. How can they approve and then deny the exact same application if something isn't going on? I have been working on correcting this issue since XXXX and have yet to receive a satisfactory response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On my Equifax credit Report its showing that I have a closed child support account, the amount owed is incorrect, the date it was opened per Equifax was XX/XX/XXXX, I wasnt born until XX/XX/XXXX, I no longer live in Kansas, so they arent allowed by law to collect child support on my behalf. Its been dismissed since I left that state and Equifax will not remove this false info off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
1..I doing the Best to increase my credit score, 8 years ago from a Bankruptcy but i still waiting to removed this Bankruptcy to continue my life. XXXX XXXX all ready did..i will like to buy me a House but cant'not do it..porfavor removed.to continue my life.

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 2019-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
This is a new complaint of fraud. Effective XX/XX/2019 my home insurance policy with the Georgia XXXX XXXX lowered my home insurance in the amount of XXXX down from the projected {$770.00}. Because XXXX XXXX sent a check for {$770.00} to Georgia XXXX XXXX my home insurance company Georgia XXXX XXXX refunded a check back to XXXX XXXX my mortgage company instead of refunded the check to me directly because they trusted XXXX XXXX to apply the full refund amount of {$160.00} back to my hazard insurance as XXXX XXXX was legally instructed to have done.I recently received my escrow statements confirming that XXXX XXXX only applied {$71.00} of the {$160.00} that they cashed back to the home insurance portion of my escrow. When I called Georgia XXXX XXXX they sent me proof that XXXX XXXX cashed the full check of $ XXXX.When I  called XXXX XXXX they stated that they claim they do not know why only {$71.00} was applied back to my home insurance and the remainder amount to PMI. According to the hundreds of similar complaints reported by other homeowners Nationwide to the XXXX XXXX XXXX XXXX XXXX has been running a fraudulent scam for years taking any extra payments or hazard insurance ( home insurance ) refund checks and only applying a small portion to the actual hazard insurance policy so that they can create a shortage and come back to homeowners literally a year later claiming that the homeowner did not pay enough to escrow.Because they are not within the jurisdiction of the OCC and the Attorney General no longer accepts consumer complaints they are running the perfect criminal fraudalent scam and operation Nationwide with hundreds if not thousands of homeowners ; according to the list of complaints with the XXXX XXXX XXXX. They claim that it was put back into escrow when the instructions were clear the check was a refund to hazard insurance portion of my escrow account the full check is supposed to be applied to hazard insurance not divided to PMI. I have already spoken to the FHA about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: AES/PHEAA
State: OK

Complaint narrative:
XXXX XXXX XXXX hasnt been fair. I have requested they remove this old closed account from my credit report.. its been 7 years and 7months. Its been delinquent way before they reported it delinquent to try and have more time to leave it on my reports. I have requested that they provide me the information and proof of my payments from XX/XX/XXXX until XX/XX/XXXX they have it showing that I was delinquent in XX/XX/XXXX/XX/XX/XXXX but has no information for XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I was delinquent from the original date it was reported which was XX/XX/XXXX. I ha XXXX  made any payment until XX/XX/XXXX so I have always been delinquent and its been 7years and 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/2019 somebody stole my identity and applied for a false account with Synchrony bank through a company called XXXX. I have called XXXX credit fraud department 24 times and was told it was taken care of but never was. So, I need the inquiry removed from my XXXX  credit report, which has lowered my score and caused a denial of credit due to the fraudulent inquire. I have never received anything from Synchrony bank. They refuse to help in any way.

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 2019-04-02 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: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX hasnt been fair. I have requested they remove this old closed account from my credit report.. its been 7 years and 7months. Its been delinquent way before they reported it delinquent to try and have more time to leave it on my reports. I have requested that they provide me the information and proof of my payments from XX/XX/XXXX until XX/XX/XXXX they have it showing that I was delinquent in XX/XX/XXXX/XX/XX/XXXX but has no information for XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX. I was delinquent from the original date it was reported which was XX/XX/XXXX. I ha XXXX made any payment until XX/XX/XXXX so I have always been delinquent and its been 7years and 7 months.

Company response to consumer: Closed with explanation