vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Several months ago, I filed 2-3 complaints against the American Express Company dealing the following : On about XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, monies were electronically sent to American Express Company ( AMEX ) by XXXX XXXX XXXX. These monies were sent back to be applied against a personal loan I had taken with AMEX. There were two separate transfers made : {$350.00} on XX/XX/2018 - Reference Trace Number : XXXX {$10000.00} on XX/XX/XXXX - Reference Trace Number : XXXX AMEX had verbally acknowledged receipt/return of these funds and had been agreeing to credit any interest that may be accruing for the amount of the funds returned. 

On or about XXXX of this year, American Express Company finally resolved this matter by crediting me for the returned funds along with any additional finance charges that may have been charged. 

On or about XX/XX/XXXX, I was again charged for the amount of {$10000.00}! It was listed as a " Reversal of Balance Transfer ''. I have been trying to resolve this again with AMEX employees, XXXX and XXXX without success. I am also now being charged interest for the new larger balance. Finally, I am being adversely impacted by this mistaken/fraudulent charge as I in the process of refinancing some properties. My outstanding short-term debt is being reported as {$10000.00} then it actually is. Can someone please, please get this resolved and stop singling me out for this mistreatment?!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All credit bureaus are reporting all my medical bill information on their/my credit reports. This is a violation of HIPAA laws.

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 2018-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All credit bureaus are reporting all my medical bill information on their/my credit reports. This is a violation of HIPAA laws.

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 2018-11-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Reference complaint XXXX. 

I do not accept Experian 's statement of " Please understand that not every consumer is guaranteed online access to their credit report '' when I specifically requested to be informed of what issue is preventing me from obtaining my reports online. It is unacceptable that they will not provide an answer nor change their system to prevent me from obtaining my report, which now being sent via physical mail is exposing my personal information to loss or theft. 

If this issue is not resolved, I will annually be filing CFPB complaints against Experian. I may also explore legal options to force Experian to devulge the answer I am requesting.

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 2018-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX has been told both in writing and verbally every single time that they call from multiple phone numbers from countless area codes to CEASE AND DESIST from calling me about a fraudulent debt they purchased from XXXX XXXX who violated federal law relating to the time frame required by federal law in which payments made to the account are required to be accepted ( XXXX east coast time, XXXX pacific time ) by having so many people trying to do so and freezing up their website to force payments to be made late, thereby generating fee income through fraudulent activity. 

XXXX XXXX XXXX has been told this in writing YEARS AGO and every time they call YET THEY CONTINUE TO VIOLATE FEDERAL DEBT COLLECTION LAWS AND REFUSE TO STOP HARASSING ME FOR A FRAUDULENT DEBT THAT WILL NEVER BE PAID!!! 

ENFORCE THE LAWS AND THROW THESE XXXX XXXX IN JAIL!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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: Nelnet, Inc.
State: CA

Complaint narrative:
I have XXXX loans on my credit report reported that arent accurate. XXXX loans open in XX/XX/XXXX, I have no knowledge of. XXXX loan I paid off in XXXX isnt even showing on my credit report. 

I called my loan servicing to get help with correcting my credit report and after 30 minutes of specking with an uneducated rep, I was advised to mail the report in for review. I am requesting to have my lone servicer changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX a cashiers check from XXXX XXXX XXXX XXXX was sent to USAA via XXXX overnight based on the payoff letter that USAA Provided. That payment was received and processed on XX/XX/XXXX On XX/XX/XXXX USAA debited from my personal checking account an additional {$580.00} resulting in an over payment to my personal loan of over {$600.00}. 

On XX/XX/XXXX I called in to USAA and spoke with a representative. The representative indicated that there was XXXX payments that overpaid the loan and that I should receive XXXX separate refund ach credits back to my XXXX account within days. 

On XX/XX/XXXX I called to check the status of my refunds as USAA is now holding over {$600.00} of my funds, partially of which certified and holds are prohibited under federal regulation CC law. The represenative appologized for the misinformation but because I did not pay off the loan by XX/XX/XXXX the automatic payment count not be stopped. Since it could not be stopped it has to be fully processed which takes XXXX days and then another 3-4 for them to refund the money. XXXX : They are going to hold my money for nearly XXXX days before releasing it back to me. She said the only way to expedite that is if I send them in a bank statement. I told her, I do not feel comfortable with sharing my entire bank statement. That where I spend my money, what other charged I make with my checking account are not any of USAA 's business. That I would be happy to allow them to verify directly with the bank, but that I did not feel comfortable with turning over information unrelated to the USAA transactions. She said then I have to wait the 15 and XXXX days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Commerce Home Mortgage, Inc
State: WA

Complaint narrative:
Our closing dates have been changed 4 times due to the incompetence of our lender. He has used many excuses and not taking the blame himself for the wrong doings in the transaction. He does not communicate and when he does he sent an email close to the end of a XXXX or towards the XXXX hour does not return phone calls to myself our real estate agent or the listing agent. 
He demanded that we XXXX  insurance due to the home being in a flood zone. We were originally going with conventional loan and 3 weeks after ... 3 days before we were set to close he changed the loan type to fha which delayed us again. 
He has costed us XXXX in feed and rent to stay were we live now, we've had to cancel 4 times to get a moving truck and to get the carpets cleanee. 
The sellers were to close on their new house on the XXXX. If hounding move in on the XXXX. It cos4s them.XXXX a day. 
He keeps.asking for documents we've already sent him, he asks for checks we've already given him. 
We had an appraisal done and I paid XXXX. And he said that its no good since we changed from.conventional to XXXX, he told us we need to get a new appraisal done for an fha loan. 
He also.told us we couldn't waive the 3 day waiting period. 
Now tonight we docs were supposed to.go.to.escrow so.we could close on the XXXX, he said state had the pain amount wrong and we couldn't sign till.wed and wed have to close on Monday of next week due to the holiday. 
It's now 5 times we've delayed closing. 
He waited till XXXX XXXX  to.send documents over to.escrow.. 

XXXX XXXX commerce home.mortgage XXXX WA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 6 loans on my credit report reported that arent accurate. Two loans open in XX/XX/XXXX, I have no knowledge of. One loan I paid off in XXXX isnt even showing on my credit report. 

I called my loan servicing to get help with correcting my credit report and after 30 minutes of specking with an uneducated rep, I was advised to mail the report in for review. I am requesting to have my lone servicer changed.

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 2018-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX XXXX XXXX has been told both in writing and verbally every single time that they call from multiple phone numbers from countless area codes to CEASE AND DESIST from calling me about a fraudulent debt they purchased from XXXX XXXX who violated federal law relating to the time frame required by federal law in which payments made to the account are required to be accepted ( XXXX east coast time, XXXX pacific time ) by having so many people trying to do so and freezing up their website to force payments to be made late, thereby generating fee income through fraudulent activity. 

XXXX XXXX XXXX has been told this in writing YEARS AGO and every time they call YET THEY CONTINUE TO VIOLATE FEDERAL DEBT COLLECTION LAWS AND REFUSE TO STOP HARASSING ME FOR A FRAUDULENT DEBT THAT WILL NEVER BE PAID!!! 

ENFORCE THE LAWS AND THROW THESE THIEVING XXXX IN JAIL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Before I had incorrect information reported to the credit bureau from XXXX student loans my credit score was around 660. I still have the same accounts that I had before the incorrect information was reported. The incorrect information dropped my credit score down to XXXX. I submitted a dispute on XX/XX/2018with TransUnion credit union in regards to the incorrect information from XXXX student loans and my result came back on XX/XX/2018 showing that most Of the information was corrected except for one month which I also did a dispute for. I asked them why my credit score didnt change once my corrected information was resulted and I was told that because of my credit cards usage which was the same before the mistake was made. I was also told that my credit score would not change because its adjusted by a system. I informed the man that my credit cards and all of my account usage is the same before the mistake was reported on my credit and I asked why wouldnt my credit score be corrected, but I didnt get any help with this problem.

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 2018-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AC AutoPay LLC, Denver, CO Branch
State: OH

Complaint narrative:
I applied for an auto loan using Auto Pay as a servicer to source, organize and close a loan deal on my vehicle refinance. Throughout the time of the loan, I experienced multiple scenarios where Auto Pay personnel  mismanaged the application, information collection and contracting process. At times, I was asked for immigration documents I could not provide without either a ) falsifying the information or b ) using expired documents for a financial application, which could my wife 's XXXX   status in jeopardy by committing such a crime while on a 2 year XXXX XXXX status. The items requested were a valid XXXX, as well as XXXX paperwork, which would be impossible due to my wife being a XXXX XXXX XXXX to a U.S. citizen. I acknowledged that I was not comfortable with my wife using these documents to apply for our loan, because Auto Pay was not the lender, and I was not sure how Autopay was going to use these documents on our behalf to close a loan for us. In addition to this scenario, I was asked to have my cosigner 's name signed off a title that her name was not on. I was also sent our contract via online signature tool, XXXX, 8 times. The contract was sent this many times because representatives at Autopay sent the document in the wrong order, out of order, to me twice, etc and this process had to be voided out a total of 4 times over a period of 61 days. Further, we received numerous communications stating we needed to provide paperwork, then a phone call stating to ignore this communication. We also received emails stating our application had been approved and our contract was on it's way, having signed the loan agreement approximately 8 times. 

Most recently, we became aware that Autopay had furnished our loan application and documents to the credit union whom was supplying our loan a second time, thus running our credit again and placing a " hard pull '' on our credit reports. Per XXXX, an immediate 29- point decrease was experienced by my wife 's Transunion report and a 2- point decrease on my report. In contacting Autopay, my loan representative, XXXX stated we took too long to finish our loan application, so the company, without our permission, duplicated our initial application, sent the application to the lender as if it were a new application, thus causing the inquiries, and then, as a result of my calls, stated they were going to " back out '' of the process due to my legal action threats. We have requested in multiple scenarios that one of the hard inquiries be pulled from our credit report, and Autopay has refused to do so. 

To date, the loan has not been fulfilled, although approved, and our credit reports have been harmed by Autopay. We are in possession of multiple pieces of evidence to show mismanagement of the application process, and are asking for immediate help to stop further damage to our personal credit profiles.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-20 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: ERC
State: FL

Complaint narrative:
Re : XXXX XXXX XXXX XXXX  acct. # XXXX Dear XXXX XXXX XXXX  XXXX , I never received any written correspondance from this company. XXXX XXXX XXXX XXXX added a collections to my credit reports with XXXX, XXXX, and XXXX  that results from crime ( s ) that were committed against me. This is invalid. I did not received any services or goods from the original creditor. However, I am still held responsible for this debt. You are hereby in violation of the FAIR DEBT COLLECTION PRACTICES ACT by adding a collection to my credit reports without my knowledge.In addition, you are also in violation of THE FAIR CREDIT REPORTING ACT by reporting inaccurate information to the above-mentioned credit reporting agencies. You were by the 3 following credit reporting agencies not only were you froward copies of an FTC identity-theft report but also a sworn copy of an identity-theft affidavit. Still you fail to comply with laws enacted by congress to alleviate consumers of debts as a result of identity-theft. Failure to comply shall lead to litigation for defamation of character, whereas associating my name with debts I do not owe and various violations of THE FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. This is a declaration that I am exercising all my rights as a consumer and victim of identity theft. Lastly, having a debt I am not liable for after origin of such debt is given is a deliberate violation of the aforementioned acts all enacted and legalized by Congress and The Attorney General to protect consumers against unlawful collections and reporting of information to credit reporting agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2018, I had simultaneous unauthorized charges on three credit cards, and CITIBANK card was among them. Two banks set the red flags right away and blocked the transactions after getting my " No pay '' responses. CITIBANK ignored the fraud, so I was made aware of the fraud on around XX/XX/XXXX from the bank statement I got. I immediately called the CITIBANK Security department and notified them about the unrecognized transaction of {$4500.00} to some XXXX XXXX restaurant in XXXX. A thorough exploring of my credit report showed that CITIBANK knew about the fraud since they made an inquiry with XXXX on XX/XX/2018, a few days before I got the statement. So, the bank did not notify me of the suspicious activity on my account but started botching my credit score. Also, the CITIBANK initially credited my account with the above-mentioned amount on XX/XX/XXXX but reversed it the next day. In my chat session, the agent XXXX stated that this unauthorized transaction was NOT my responsibility ( I have a transcript ) but the bank further pursuit the idea that the credit card embedded chip was activated but have not submitted any evidence of this like a copy of the receipt and the alleged restaurant address. CITIBANK has spoiled my credit score due to improper operation of their Security department. 
Beside that CITIBANK stated that the problem has been resolved, which is not so, and thus mystified the Federal Trade Commission, which informed me on that.

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 2018-11-20 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: GA

Complaint narrative:
I have disputed incorrect information for a student loan on my Equifax report several times including over the phone, and they refuse to remove the incorrect information which is causing an issue with my score increases. I have a student loan that was initially serviced by XXXX XXXX for many years. About a year and a half ago I believe it was transferred to XXXX for servicing. I was told that XXXX no longer services student loans. However, when disputed Equifax continues to refuse to remove this item from my credit report. All others have removed the XXXX, but for some reason Equifax will not. While I explained to them the amounts differ slightly because of the interest it's clear to see they are all four the same. There are two for XXXX XXXX and two for XXXX. XXXX balances are {$9900.00} and {$7100.00}. XXXX balances are {$9400.00} and {$6900.00}. Please assist me with the removal of the XXXX XXXX balances from my Equifax report. I do not have access to the XXXX   report, if it is there please remove as well. I don't really understand how they can explain the continued reporting of this debt when it is no longer being serviced by that particular provider. Thank you for whatever it is you may do to assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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 — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My mortgage initiated with XXXX XXXX XXXX than transferred to Ocwen Loan Servicing. My last payment on the mortgage account was with XXXX XXXX XXXX in XX/XX/XXXX, no further payments was made on the mortgage account. No payments from XXXX XXXX-present date. Seven years for the delinquent status on the mortgage account would have matured in XX/XX/XXXX. Ocwen Loan Servicing or XXXX are been fraudulent reporting information and or investigations because the information has been removed from both XXXX and XXXX XXXX. In addition XXXX also conducted another investigation on my credit report which was resolved by XXXX and XXXX XXXX by removing from my credit report because the creditors ( Child Support Service ) said that it was an error reported on there behalf and XXXX refused to remove.

Company response to consumer: Closed with explanation