vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-21 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:
Experian continues to report negative information on my credit report. I have disputed these items to no avail and they claim they will not re-investigate when I am entitled to a full investigation of these items. They are in violation of the fair credit reporting act.

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 2019-07-21 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: AES/PHEAA
State: CT

Complaint narrative:
On XX/XX/XXXX I checked my credit reports and my report showed that my Fed loan accounts " Needs Attention '' Upon checking the status the account read that I recently missed a payment on this account. However no delinquency existed. I am asking for a investigation, this account is in deferred status and no payments are required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: CT

Complaint narrative:
On XX/XX/XXXX I checked my credit reports and my report showed that my XXXX XXXX   accounts " Needs Attention '' Upon checking the status the account read that I recently missed a payment on this account. However no delinquency existed. I am asking for a investigation, this account is in deferred status and no payments are required.

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 2019-07-21 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: CT

Complaint narrative:
On XX/XX/XXXX I checked my credit reports and my report showed that my XXXX XXXX  accounts " Needs Attention '' Upon checking the status the account read that I recently missed a payment on this account. However no delinquency existed. I am asking for a investigation, this account is in deferred status and no payments are required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Date of incident XX/XX/19 at XXXX hours Collection agent came to my house and rung the front door, asking for me. My aunt opened the door and told him that I wasnt home. Since we get many visits from solicitors she declined to receive any paper work from agent. My aunt closed the door and agent left an opened Legal court summons ( without an envelope ) on the floor of my front door. As I have evidence of a video, agent walks away an shouts Next time we come to your house, its going to be with a sheriff as he was taking pictures of cars parked in the driveway with in my property. Unfortunately I dont have the audio of him shouting that from my driveway. A few minutes later, my dad was working in the garage as he also heard the shout from the agent. He walks up to my front door and sees the legal open document exposing all my personal information to him. He looks at my paper work and is now in fear of what can happen to me. Since my personal information was not protected properly, my father was able to share my information with the rest of my family members about a debt, my familys peace of mind has been disturb by illegal acts of the agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a {$10000.00} check on XX/XX/2019 through BOA app 's mobile deposit on cell phon and was told the fund would not be available till XX/XX/2019. Namely it will take Bank of America 10 days to clear the check and make the fund avaialble to me. I called consumer service and was told there is no way to accelerate the processing. Neither can I stop the check processing. 

In my opinion, Bank of America is taking advantage of consumers by intentionally holding their fund that otherwise should be available to consumers without paying any interest. It's 21st century now and how could it be not possilble for a commercial bank to clear a check within a couple of days.

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 2019-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: KY

Complaint narrative:
XXXX College XXXX XXXX XXXX XXXX  XXXX misled me promising me employment opportunities and Lifetime refresher courses with a brighter future and the only thing I truly recieved was a useless degree that no one take serious in this city based off the schools reputation that continued to spiral from XX/XX/XXXX-XX/XX/XXXX. Tentative dates..And debt an extreme amount of debt. Not once was I sent on a job interview or even prepped for job placement which was promised upon graduation. They gave us statistics rates and promised a future that if we ever need to go back and revisit accounting or revisit a business course we would always have an open door policy that was not honored either. I started realizing the $ 300- {$500.00} per book only a few words changed. The knowledge recieved was not anything more then I already knew I managed my whole life. They made me believe adding a degree to my life would make me be more marketable. I had a XXXX GPA after looking at my credit report and seeing what this school was doing to me I dropped out. I finally realized that it was a scam all of the student 's were coming to the same conclusion. The material was high school level, I'm at a lack the Lifetime courses I need those the only thing on my credit report is school and my car I am XXXX in debt I have no moral this has ruined me. I use to believe In College before XXXX college XXXX XXXX XXXX XXXX XXXX. Now I don't push my children at all towards it. It's not fair they got off without helping us. If it was a creditable degree I wouldn't be complaining. But Any time mention what school I received my XXXX degree from there is same on my part, and its not taking serious by the reciever of the information. Anyone I have told responds negative in this city like the University XXXX XXXX Scandal. I need help they need to honor relief this is just so intense. Greed caused this they milked us through books through everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The Bank I am filling a chargeback 's complaint against is Capital One. Capital One refuses to issue a Chargeback after the Merchant XXXX XXXX XXXX XXXX ( XXXX  ) did not provide a {$20000.00} timeshare exchange service as mentioned in our contract with them. 

The Transaction I am requesting a chargeback from Capital One Bank is under the name XXXX XXXX XXXX made by XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX for an amount of {$2900.00}. 

My family went on Vacation to XXXX XXXX, XXXX XXXX on XX/XX/2019 at XXXX XXXX XXXX XXXX ( XXXX ), part of XXXX XXXX. We were offered an exchange between our XXXX XXXX timeshare Ownership and XXXX XXXX timeshare membership. Our XXXX timeshare worth about {$20000.00}. We paid {$20000.00} for an XXXX XXXX timeshare and the contract stipulated XXXX will buy back our XXXX contract. that had a balance of about {$20000.00} After a month and half of an unexplained wait, XXXX did not honor the exchange service. They brought as pretext after the long wait that our ownership is not a deed. They explain that we can keep both their timeshare and our XXXX Timeshare, and they will keep the {$20000.00}. We replied that the contract is void ab initio, since there were never a deed, but an ownership certificate, then we have to receive our money back since we have not received the exchange service as clearly written in the contract. They have not answered. 

We file a timely {$17000.00} chargeback with XXXX XXXX XXXX and {$2900.00} with Capital One on or around XX/XX/2019. 

XXXX XXXX XXXX issue the {$17000.00} Chargeback, but not Capital One ultimately. Capital One first issue a Chargeback, but the merchant came back and mislead the Bank in saying fraudulently the {$2900.00} was for Hotel Services that we received, like restaurant and rooms. Capital One return the {$2900.00} back to XXXX. We later explained several times to Capital One that the {$2900.00} were not for Hotel services, but are part of a {$20000.00} timeshare exchange services that did not take place. 

The Bank insinuated that we were lying and a manager told us that it is common that customers like us receive services from a Hotel and want a chargeback, what is commonly called friendly fraud. Capital One told us they escalate the issue, made us wait, and later falsely said they can not help because we did not provide all documents on time. We did provide all documents on time by both fax and certified mails, and we have proof. 

Capital One does not want to assume his mistake by prejudging us and returning the {$2900.00} to the merchant. 

We are requesting a refund from Capital one of {$2900.00} with all interest fees that are being accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
To whom it may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 

I thank you in advance for your cooperation and hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The information dated XX/XX/XXXX, was never included in the investigation from the time frame and the inaccurate dates of XX/XX/XXXX, all monies owed paid in full and were not apart. I feel the investigation was a violation of the fair debt collection practices act section 623 b. This relates to all three credit bureaus. XXXX, 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 2019-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I have tried to communicate in writing with Nationstar LLC aka Mr. Cooper concerning a mortgage modification. I asked Nationstar LLC to communicate with me in writing, so I can have all communication checked by legal counsel. I have written directly to XXXX XXXX, who supposed to be my loan specialist, but have yet to receive any written communication from him. 

I have received a letter from Nationstar LLC that is can not and will not consider a loan modification, but I keep receiving email messages from the company requesting that I call it because it can help me. I wrote to Nationstar LLC asking what I should believe : the letter or its email. 

Nationstar LLC refuses to respond in writing. XXXX XXXX has not corresponded with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: IL

Complaint narrative:
I have contact TranUnion several times to have these fradugelent inquiries removed from my credit report. I am told to contact the companies listed which I have and they tell me that I need to contact the credit bureaus. I am going back & forth without any resolution,. These inquiries need to be removed ASAP. I have sent them a police report as well showing I have not applied for anything.

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 2019-07-21 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: Applied Data Finance, LLC
State: FL

Complaint narrative:
To whom it may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 

I thank you in advance for your cooperation and hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: DFC Global Corp.
State: FL

Complaint narrative:
To whom it may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 

I thank you in advance for your cooperation and hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom this may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless U have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter.Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report`. 

I thank you in advance for your cooperation and hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: NC

Complaint narrative:
The information dated XX/XX/XXXX, was never included in the investigation from the time frame and the inaccurate dates of XX/XX/XXXX, all monies owed paid in full and were not apart. I feel the investigation was a violation of the fair debt collection practices act section 623 b. This relates to all three credit bureaus. XXXX, XXXX, Transunion.

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 2019-07-21 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: NC

Complaint narrative:
The information dated XX/XX/XXXX, was never included in the investigation from the time frame and the inaccurate dates of XX/XX/XXXX, all monies owed paid in full and were not apart. I feel the investigation was a violation of the fair debt collection practices act section 623 b. This relates to all three credit bureaus. Equifax, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: NC

Complaint narrative:
The information dated XX/XX/XXXX, was never included in the investigation from the time frame and the inaccurate dates of XX/XX/XXXX, all monies owed paid in full and were not apart. I feel the investigation was a violation of the fair debt collection practices act section 623 b. This relates to all three credit bureaus. XXXX, Experian, 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 2019-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I had a fraudulent charge on my best buy credit card. I immediately called them to try to stop the shipment to the wrong address. They did nothing to stop it. 

Now that my current card is closed and they opened up a new card, they carried over the fraudulent charges to my new card - almost {$500.00}

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 2019-07-21 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: Credit Plus Inc
State: MO

Complaint narrative:
There are unauthorized inquiries on my report for rental, I would like removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: DC

Complaint narrative:
Debt has been collected on a bill from Washington XXXX XXXX in Washington DC. The hospital submitted a collection notice prior to payment by XXXX XXXX XXXX XXXX. This has caused significant damage to my credit report. I need this corrected ASAP. I thought reporting medical information to the credit agency is against XXXX law. Can you help? 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 explanation