vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-26 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: PA

Complaint narrative:
I am having an issue with XXXX XXXX credit card. They are reporting inaccurate information to the credit bureaus. I am applying for a mortgage. Had a 3 way call with XXXX. The balance on my report is over XXXX XXXX  was verifying my account on a recorded line. They stated that there is a contract agreement between us. In which my balance at that time was XXXX. The contract I was to pay XXXX in XXXX by the XXXX. In which they got on the XX/XX/XXXX. They stated that from XX/XX/XXXX to XX/XX/XXXX was 30 days late. Then told XXXX  that from XX/XX/XXXX to XX/XX/XXXX that was a late payment. Even though it was not 30 days and the agreement was started on XX/XX/XXXX. They then marked all there bureaus late 30 days. They then for XXXX marked me 60 days late even though they got both payments. One for the XXXX and XXXX payment that is according to the contract. They in fact told XXXX  that my balance at that time was XXXX but stated the credit bureaus will not be updated to reflect the current balance which was lower then the current amount. The lady from XXXX  XXXX got upset talked to her supervisor about the account. Acted like they had no idea who XXXX  was and at one point tried to lie and stated even though there is a contract they do not have to update the credit reports. I stated on the recorded line so you are refusing to update my credit report to show the real balance they stated we don't update the account to show that unless the balance is paid fully. XXXX  stated that according to the fdcpa and fcra they must report accurate information. The person on the phone was refusing to deal with XXXX. So after we hung up I filed a report with them for fraud. They removed it and sent a message to XXXX  and Transunion. So XXXX  and XXXX  removed it. But Transunion is refusing to remove it even though XXXX  sent that message and told them they are not providing accurate information and they should remove that account as they and XXXX did. They are still on Transunion and I can not get them to remove the account nor have them update the account according to the payment that was agreement. XXXX  stated if I get an attorney they would be able to request the phone recording. Stated they should not be on my report. But because of the late payments they posted even after the agreement the credit score is being ruined and I am now unable to get a loan. The XXXX payment is not due till XX/XX/XXXX and I paid it early but they still reported me as late and my score keeps being damaged.

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 2020-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2020-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
In early 2019 I refinanced my student loan with XXXX XXXX as I was returning full-time to school in XXXX. I was told by the banker at the XXXX, MA XXXX who processed my loans if I wanted to defer my payments I would be able to as XXXX was in the XXXX XXXX XXXX Federal Direct Loan Program as a Deferment Eligible Program. 

In XXXXXXXX 2019, I finally decided to use in-school deferment. I sent the form on XX/XX/2019 and was told I would receive a response in 3-5 business days. Not receiving a response, I called on XX/XX/XXXX and e-mailed again on XX/XX/XXXX as an upcoming payment was due. The teller told me they could change the date while the form was being processed but I needed to pay even though the form would be accepted. On XX/XX/XXXX I was told that the deferral had been denied. 

I called XXXX on XX/XX/XXXX and was told that they only accepted deferrals from XXXX XXXX schools. I have confirmed with the US Student Loan Ombudsman that the school I attend, XXXX XXXX XXXX XXXX XXXX is a XXXX  XXXX school ( OPE ID XXXX ) and processes deferment requests as per the government regulations. I have successfully deferred my payments with two other banks who use the same criteria. 

On XX/XX/XXXX, I followed up with XXXX and was advised that XXXX could not defer my student loans because they use the National Student Clearinghouse Database and my information was not up to date in this system. I reiterated that I sent their approved form back with the school seal and my information, but was told to call the National Student Clearinghouse. Which I did, and was told by their customer service that they are only one tool that certain schools use and that as long as I have an OPE ID number the bank should take it, as that's all they do. 

I called XXXX back and was told that everything was incorrect, they don't accept all XXXX  XXXX schools, only some. When I asked if they could elaborate on this policy, I was told that my deferment was already denied and there's nothing they could do. I am unsure what decisions are used on top of whether or not they are XXXX  XXXX, as this was the first time anything other than their compliancy was mentioned. It seems like no one has any answers and I have been advised poorly and differently each time I have called. This leads me to believe that no information I am given will be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I reported fraud of XXXX charges XX/XX/XXXX - XX/XX/XXXX totaling {$470.00} XXXX did not know why I was charged said could be one of their 3rd party sellors USAA rep CHANGED MY REPORT from fraud to a dispute The dispute numbers that were changed from fraud are XXXX, XXXX, XXXX Everytime after when I called and asked about the fraud I reported reps reported fraud a second time and then a third time The merchants covered a lot but I WAS DOUBLED CHARGED CREDIT REVERSALS OF THE CREDIT NEVER GIVEN This is an accounting nightmare. One and a half years later XX/XX/XXXX USAA DECIDES IT WAS FRAUD AS I REPORTED USAA CLAIMS I DID NOT REPORT FRAUD XX/XX/XXXX I GOT A NEW CARD XX/XX/XXXX for unauthorized charges reported then USAA never reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
Credit management claims I have a outstanding debt of XXXX for a cable bill with XXXX. I currently have a account with them an I'm current on my bill with them. Please help me remove this off my payment history its tarnishing my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
About 6 uears who in 2014 I had a checking and savings account at the Citibank in XXXX  XXXX, CA. I am a XXXX XXXX and funds from business are sporadic at best. While doing business with that bank, the company - Citibank - decided that they believed that the account was funded by fraud so they were gping to close it and do a full investigation. They said the available funds would be held for 6 months and then I could get it. After 6 months, I come back, and they say that they couldn't find any evidence of fraud from check owners and payouts. The Banker who was helping me, she said that I could not get the money, and that the account was being closed and the money returned because she thought it was fraud even if Citibank corporate fraud team said it was ok.she provided aCcount closure documentation and told me that the account is closed. I needed this money, because I had {$2800.00} available and I had just gone XXXX. That money would have been the security and housing I needed. 

5 years later. I get a letter in the mail tellinge that the same closed account was about to be put in an abandoned status due to inactivity and that I may lose any money on the accou unless I provide a notarized document verifying my id.i called corporate and they told me that the money was notated as having been ready for release or withdrawal 5 years before. During this time, I lost every single piece of property I owned. I was almost XXXX  9 times in 1 year due to issues created by that XXXX. I was targeted by fake law enforcement groups like the " City park rangers '' and XXXX  impersonators. Fake XXXX paid to stay near you and then steal from you all you have. 

I went back a month ago to try to get the funds again. I provided 2 forms of id. I was told that my documentation wasn't sufficient. I would have to go obtain new id documents. ..stll XXXX. They owe me {$2800.00} in actual cash, and more from my hardship since.

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 2020-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This is a XXXX  account that carried over to a collection bcuz of identity theft. My uncle got un authorized equipment on my account. I told him to get his phone through his factory warrant for his phone not working an he got a bunch of equipment on the account. Due to people there at XXXX. I talked with XXXX about this issue before it went into collection an they said it was nothing they could do. Please help me in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the 3X Equifax has sent me this letter XX/XX/2020 requesting it again Why does it say UNABLE TO LOCATE A CREDIT FILE IN OUR DATA BASE???? Why when I send Lease, Social Security Card WE ARE NOT SUPPOSED TO LET ANYONE ELSE SEE RISKING 2Xs Do they not have? I do not think it wise to send again I am a victim of deninty theft. 
I have been unscuccessful contacting them on line due to my hand XXXX When I call My questions are not answered or resolved HOW CAN THEY HAVE NO RECORD OF ME? WHY DO THEY REQUIRE RISKING CONSUMERS PRIVACY SENDING SOCIAL SECURITY CARD? DO THEY NOT KNOW WE ARE TARGETS TO HAVE OUR SOCIAL SECURTY STOLEN IN NUMEROUS SCAMS? NO WONDER SO MUCH IDENINTY THEFT GOING ON THESE DAYS WHY AREN'T THEY GETTING WHAT I SENT?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting the same fraudulent account to my credit report again. 

XXXX XXXX - XXXX They removed it last year after I filed a CFPB and a police report, but here they are again for the 3rd year in a row posting this same fraudulent account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: IN

Complaint narrative:
Transunion-XXXX  & XXXX  are ALL still listing a bill from orig. fro XXXX never heard of them I have ask numerous times for proof of ownership as I know there is NOE it is NOT mine I have been disputing this for years there is also a co borrower i have NEVER even heard of THIS COMPANY NEEDS INVESTIGATED AS XXXX THEM THEY HAVE DONE THIS TO THOUSANDS OF PEOPLE THEY NEED SUED I WANT THIS REMOVED FROM MY CREDIT REPORTS & ALL NEGATIVE REMARKS GONE AS IF THEY CANT SHOW OWNERSHIP I OWN THIS AFTER YEARS THERE NOT GOING TO -- -THEY HAVE HAVE SEVERAL COMPANIES LISTED NUMEROUS TIMES AS HARD INQUIRIES THEY NEED REMOVED THE DOUBLE ONES & ON MY STUDENT LOANS I AM ON SOCIAL SECURITY XXXX AND XXXX  I HAVE FILED THOSE SHOULD BE REMOVED AS LATE OR OWED THIS IS CRAZY THAT I HAVE FILED WITH THE FTC IDENITY THEFT & STILL THESE BUREAUS AFTER DISPUTING FOR YEARS NOW LET THIS STAY ON THERE CLEAN IT UP SO I CAN GET A HOME LOAN

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 2020-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have called repeatedly and sent two emails. I want the payoff figure so I can payoff this loan and be done with Ditech!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One collects citizenship information of its applicants implying that it currently has or plans to have in the future a discriminatory treatment of consumers based on their citizenship status. Capital One also misrepresents to the public that its gathering of citizenship information is part of federal regulations requirements. According to my elected representatives to the United States Congress there are no laws or regulations of the federal government of the United States requiring credit card companies to gather citizenship information of their potential customers. Capital One misleads the public into believing that that's a U.S. Federal government that requires Capital One to gather this information while in fact it is a sole initiative of Capital One to incorporate citizenship question into its Customer Identification Program. The Customer Identification Program of Capital One could have been created and designed without requiring Capital One 's credit card applicants to provide their citizenship status to Capital One as federal regulations do not require such information to be part of the Customer Identification Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2020, I contacted American Express via Mobile App chat feature. I asked " Hey, what date was my last credit limit increase? ". The response from the unnamed foreign person on chat advised me the last time I submitted a request, not when an Increase happened. I then asked the person to clarify that their response was addressing an Increase Request and not my actual question. Amex replied with " It was a request. I can go ahead to submit an increase request if you would like ''. At this time, Amex has still refused to provide me with my requested information of what date my last Credit Limit Increase was. 

I then requested the same information again. This time Amex again ignored my question and said my cards had allocation changes. I replied saying I never asked about allocations. Amex then replied with " There was no limit increase happen ''. 

At this time I requested to be transferred to an American who speaks English. The request was ignored by Amex. I then requested again, In which Amex ended the chat. 

I typed I would be filing a CFPB complaint. Then the still nameless rep offered to transfer to a supervisor .... As of this writing, that still has not happened. 

I believe Amex has abused their position of trust since I do not have access to certain account details and history. Amex also blatantly refused to provide account information as requested. I find that Amex has been in violation of 12 CFR Part 1026, 15 U.S.C. 1601, FTC laws governing the transmittance of information across state lines, and Florida Consumer Protection laws for willfully withholding information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2019 I contacted Chase about an email message I received from them ( see `Chase denied it sent this notification from Chase XXXX` attachment ). To my surprise Chase in its response denied that the email message was sent from Chase and claimed that it was a " phishing '' email message ( see 'Secure Messages - chase claiming that the email was not sent by chase XXXX ' attachment ). 

It is not clear to me if Chase does not want to discuss the contents of the messages it had been sending to me by making such denials or it truly believes that my email address that I have provided to Chase and which the message was sent and the balance on my credit card account that was included in the message were accessible by some other party that was sending " phishing '' messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: ND

Complaint narrative:
Equifax continues to show my credit score 29 points lower than it should be. Since it shows my payments 100 % on time, and XXXX  and Equifax claim to use the same method to calculate scores, they should be fairly close to each other. This has gone on for several months now. I was late on one of my banks ' payments back in XXXX of 2015, however Equifax and XXXX  both say that I have 100 % on time payments with all of my four bank payments each month. XXXX says that late Payments usually disappear from credit reports in three to four years. Since this is the only thing negative in my complete report ... What's up? I've complained once before about Equifax, and you took care of it - is this retribution for that? Any help that you could provide would be greatly appreciated. Thank you so much for your time in this matter.

Company response to consumer: Closed with explanation