vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
My XXXX XXXX XXXX model was smashed into while I was towing it during a move from XXXX to XXXX XX/XX/2018. My Vehicle was then declared totaled by XXXX my insurance carrier in XX/XX/2018. XXXX worked with XXXX XXXX ( at fault drivers insurance ) and Nissan Financial from XXXX toXX/XX/2018 to determine the payout amount. In XXXX XXXX paid Nissan Financial aka NMAC close to {$11000.00}. I didnt have GAP insurance so I had to pay the balance about {$1600.00} to NMAC in XX/XX/2018. The vehicle is paid off XXXX balance. NMAC is reporting a missed payment on my credit report in XX/XX/2018. I have disputed it with all three credit bureaus numerous times with negative results. I have called NMAC and they refused to change it on my credit report. Im a XXXX Veteran and I can not use my VA loan to purchase a home in XX/XX/XXXX because this one missed payment error destroyed my credit score.  Please help me with correcting this error and have XXXX take it off the three credit bureaus. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
What I am about to report now is that a person named XXXX XXXX caused a problem by opening a bank account with my social security number. 
The banks with the problems are Investors Bank, XXXX XXXX XXXX. 
I heard from my bank XXXX that on XX/XX/XXXX, there was a problem with the checking account, so I could not open the bank account. 
Here is what I got from XXXX bank & Investors Bank. 
XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, NJ came to the bank with XXXX XXXX 's ID and my social security number, and he took about {$53000.00} from Investors Bank and did not pay back last XX/XX/XXXX. 

This is not the first time who XXXX XXXX caused problems with my identity. I have reported to the XXXX Police department on XX/XX/XXXX. The case number is XXXX. 
On XX/XX/XXXX, I also reported to the XXXX XXXX Police department and the reports number is XXXX. 


another problem, Investors Bank even does not try to help this case at all. 
I went to XXXX XXXX XXXX office and called them many many times but, they do not want to answer anything to me. 

I do not know how to get information. 


XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Portfolio Recovery has been harassing me for months. I repeatedly tell them I am not familiar with a XXXX XXXX account with a balance of {$1600.00}. The employee number of person I spoke to last is XXXX. Calls come from many many numbers. Here are a few. XXXX, XXXX, XXXX. They all ways start off asking me personal information before identifying themselves. I tell them to quit harassing me, but yet they continue! I also told them I never had any kind of contract with Portfolio Recovery and will not talk to them. They tell me they bought account. I tell them I am sorry for them because again, I have no contract with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NM

Complaint narrative:
Tried to make an additional {$1000.00} principal payment online but was denied. Message came up that you must first pay PREVIOUS MONTH Payment first. Today is XX/XX/XXXX, previous month was paid in full on XX/XX/XXXX. Previous month is XXXX!!! Asked to speak with customer service supervisor. She said I was on a recorded line, I told her she was on a recorded line as well She said she had to hang up on me, and she did. I asked her for information on corporate office at Suntrust and she hung up on me. I consider that a breach of service commitment by SunTrust. 

All of my previous loan servicers allowed me to make additional principal payments without any restrictions. 

SunTrust is in breach of service as my mortgage servicer by failing to provide me with information necessary to me in conducting financial transactions.

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 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Have a Wells Fargo Card that I use to pay my cell phone bill in order to take advantage of the Cell phone protection program they advertise as a major benefit. My phone dies, I go to the apple store so they can trouble shoot and prepare a statement I need for the claim. They determine the phone is unrepairable since the issue is motherboard related/. The Card Benefits folks deny the claim claiming a manufactures defect. How could they possibly know that? They said the phone has to show physical damage to be eligible. The claims about this benefit, which is heavily marketed, and the reality are very misleading. When I asked for a review of the claim they sent me the the XXXX XXXX XXXX who I highly doubt many people will take the effort to file with. I believe the claims vs. the reality are misleading and the decisions are not based on objective fact. The fact that they do not have an escalation process outside a time consuming third party process means the company did not have good faith.

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 2019-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Debt was reported to Transworld system Inc in the amount of {$300.00}. Debt was paid in full however collection agency fails to report to credit bureau to have collection to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX has been harassing me for months. I repeatedly tell them I am not familiar with a Capitol One account with a balance of {$1600.00}. The employee number of person I spoke to last is XXXX. Calls come from many many numbers. Here are a few. XXXX, XXXX, XXXX. They all ways start off asking me personal information before identifying themselves. I tell them to quit harassing me, but yet they continue! I also told them I never had any kind of contract with XXXX XXXX and will not talk to them. They tell me they bought account. I tell them I am sorry for them because again, I have no contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/19, my mortgage payment for {$1800.00} was presented through ACH and overdrew my account {$40.00}. I immediately transferred from another bank {$100.00} on the same day. In addition, my payroll {$1900.00} plus a social security deposit of {$670.00} at midnight the same day. My mortgage payment was returned without payment and i was charged {$37.00} overdraft. I came to Huntington Bank over 10 years ago because of their " 24 hour Grace '' policy. I have used it through the years at various times. In the past two years, i have had issues as they did not allow 24 hour grace! Their advertisement is misleading. Per their advertisement, you are supposed to have until Midnight the following business day to cover the overdraft. My subsequent deposits MORE than covered the overdrafts!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03 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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am lodging a complaint against TD Bank XXXX AND XXXX XXXX NMLS : XXXX. My loan ( # XXXX ) was denied because of my credit profile. However, the XXXX credit report shows a score of XXXX out of a possible XXXX with nearly zero debt. Additionally, the underwriter assigned to my loan was negligent during their investigation with poor attention to details as they had requested multiple times for information that had already been provided, including repeated requests for items like the Escrow Analysis statement for subject property of which the underwriter had been informed ( on multiple occasions ) DOES NOT EXIST as the property has no mortgage currently. These and other oversights plus the fact that the underwriter took over 4 weeks to attempt to interpret my tax returns had left me with with suspicions of discrimination and concerns with the underwriters ability to fairly determine my eligibility. I brought these concerns to XXXX XXXX on XX/XX/19 when he agreed that the underwriter had estimated my income incorrectly. XXXX then stated he would look in to it and get back to me in a day or two. Over the following month I had called XXXX multiple times with no return phone call. TD Bank was unresponsive to all requests for information and ultimately denied my loan under a faulty premise via an UNSIGNED statement of denial. I can provide supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have 56 inquiries on my credit report and have no idea where they came from???!!! I want them removed. 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
Consumer complaint received 2019-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have 56 inquiries on my credit report and have no idea where they came from???!!! I want them removed. 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
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have XXXX inquiries on my credit report and have no idea where they came from???!!! I want them removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019 Chase bank closed all of my credit accounts to include a personal and2 business credit cards. One of the representatives informed me it was due to my recent credit usage and lack of credit history. When I explained that my credit has not significantly changed since the first card was opened 12 months ago or in the 3 weeks since the most recent business card was opened, I was then informed that the accounts were due to information provided by law enforcement and the representative refused to provide further information. 

At the time the accounts were closed there was almost {$15000.00} in my Chase Business checking and savings account, which is enough to pay all of the chase debts in full. Within the last 60 days, I have paid down around {$5000.00} to one of my Chase cards and have grossed over {$60000.00} through my Chase business and checking accounts. There is no reasoning why Chase could assume that I would be unable or unwilling to pay any of my debts. I feel it is a violation of the CARD act of 2009 to make a significant change to a credit card account such as close the account without 45 days notice and I feel it is a further violation of the Fair Credit Act to refuse to provide a detailed reason as to why a credit account or application was denied or closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-03 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: Hughes Acceptance Corporation
State: KY

Complaint narrative:
I had a auto loan {$13000.00} for a XXXX XXXX financed for 60 months through Hughes Acceptance Corp. in XXXX, KY. beginning XX/XX/2014. This has been paid off but the company has not reported any of the payments or that was paid off to the credit bureau.My credit report still showing I owe the {$13000.00}. I have contacted Hughes Acceptance several times to update my credit report but they have failed to do so. This has caused me not to be able to get another car loan in the past couple of years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
lvnv founding llc. send letter to my job to take money from my pay i spoke to my job telling them i dont know about this i never receive ant letter form them they still giving them my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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 — Card was charged for something you did not purchase with the card
Company: LendUp Loans LLC
State: NJ

Complaint narrative:
Attempted to call customer service on XX/XX/2019, two hours later, I am still waiting for a customer service clerk to call me back. By way of this complaint, card ending in XXXX was lost and I just noticed it today. Additionally, charge for {$430.00} on XX/XX/2019 is a fraudulent charge based on my lost card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

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 2019-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: WA

Complaint narrative:
On XX/XX/XXXX I began my student loan repayment with a company called Premier Student Loan Center. They informed me that they would charge me a fee over 4 months to complete my paper work for a student loan forgiveness program and that after the first 4 payments ( fee for filing ) that any additional payments, which were set at {$40.00} a month, would be going towards my student loan repayment. I made 4 payments of {$230.00} from XX/XX/XXXX to XX/XX/XXXX, after which I began paying the {$40.00} per month up through XX/XX/XXXX. They recently sent me an email requesting me to send in my work verification information. I sent them copies of my paystubs XX/XX/XXXX, then shortly after received another email that additional info was required and to call the phone number given. I tried calling the number and a message came on that the number did not exist. I then called my student loan provider, XXXX, and they informed me that I am on a loan forgiveness program and my payments are {$0.00} a month, and that the paper filing service I paid for they offer for free. Since XX/XX/XXXX I have paid a total of {$1100.00} for what was a free service and no money has been paid towards my student loans. The XXXX representative also informed me that they have had many complaints about this same company for scamming people out of money and that a complaint should be filed to get my money back. I have attached all the emails I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
IacceptedapromotionalofferonmyChaseSapphirecreditcard.Theofferwasfor15%creditbackifIusedmySapphirecreditcardonXXXXbyXX/XX/19.IbookedmyreservationonmySapphirecardandthetransactionfor{$840.00}postedonXX/XX/19.Icalledtofindoutwhenthecreditwouldpostandwastolditwouldtakeseveralbusinessdaysforthecredittopost.Icalledbackagainandadifferentrepresentativetoldmeitwouldtakeupto14businessdaystopost.Icalledafterthe14businessdayandtherepresentativeconfirmedImetthecriteriafortheofferandopenedanescalationticket.SheadvisedIcallbackin2-3businessdaystogetthefinalresolution.Icalledbackwithinthattimeframeandwastoldescalationtakeupto7businessdays.IcalledbackattheendoftheXX/XX/XXXXbusinessday(XX/XX/0219)andwastoldbytherepresentativetheescalationcouldtakeupto4weeks.Irequestedtospeakwithasupervisor.Thesupervisorstatedtheescalationshouldhavebeencompletedwithin7businessdays.Hecouldnotprovidemewitharesolutionand/ortimeframeforresolution.HecouldnottransfermetotheExecutiveofficeforfurtherreview.IcalledonXX/XX/19tospeakwiththeExecutiveOfficebutwastransferredmultipletimesandwasunsuccessfulinreachingtheExecutiveOffice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

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 2019-05-03 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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: TX

Complaint narrative:
I do not owe any bill. I have medicaid and medicare which is XXXX XXXX XXXX.. I have Provide it the company with my issues information in they refuse to take. I also I also had financial assistance to the hospital. I do not owe any bill.

Company response to consumer: Closed with explanation