vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 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: IL

Complaint narrative:
On 2 separate occasions ( XX/XX/2018 & XX/XX/2018 ) I have submitted letters asking XXXX, Experian and XXXX credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.

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 2019-02-12 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
After several attempts to verify and validate the debt it was unsuccessful. The information that the account is delinquent is being incorrectly reported and since they havent responded nor validated or verified the debt it needs to be removed from my credit report due to FCRA laws and its adversely affecting my credit and score. I am paying Navient as scheduled for this loan!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 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:
On 2 separate occasions ( XX/XX/2018 & XX/XX/2018 ) I have submitted letters asking Transunion, XXXX and XXXX  credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.

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 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have been getting offers to refinance every couple month for the last 2-3 years and has been unsuccessful to unsubscribe from those. I get a run around between different teams who promise that would be the last time but in a couple month, I get a new offer. 

I want those offers to stop. 

Offer Reference number XXXX offer code 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 2019-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
As of XX/XX/XXXX, Bank of the West has refused to resolved my issues of bait and switch from a promised interest rate of 2 % /2.02 % APY to 1.29 APY ; closed my account without reimbursing me the full account balance ; and not allowing online access. This is after filing a complaint with the CEO, XXXX XXXX on XX/XX/XXXX and speaking with the manager, XXXX XXXX at the XXXX XXXX branch on XX/XX/XXXX. I was referred back to the branch that originally caused the problems so naturally nothing got resolved. 

This complaint concerns the Bank of the West branch at XXXX XXXX, Ca. I opened an XXXX XXXX XXXX account on XX/XX/XXXX with the understanding that the interest rate would be at 2 % /2.02 % APY.  The opening balance was {$20000.00}. 

An account statement from XX/XX/XXXX XX/XX/XXXX was received sometime in mid-XXXX XXXX. Instead of the promised APY 2.02 %, the statement stated an APY of 1.29 %. On XX/XX/XXXX, I went to the local XXXX XXXX branch for an explanation. More or less, all the employees including the manager ( she refused to speak with me directly ) stated that this was correct. Out of frustration, I immediately closed the account on XX/XX/XXXX. Instead of issuing a closing check for the full balance amount, it was issued for what was stated on the XX/XX/XXXX XX/XX/XXXX statement of {$20000.00}. There was an interest amount from XX/XX/XXXX to XX/XX/XXXX still outstanding. But, the employee insisted there was no other remaining amount and if there was any, it would be just a few dollars and not to worry about it and to let it go. She even issued me a balance receipt showing the available and current balances were XXXX. Once home, I checked my account online, it showed the remaining account balance was {$13.00}. I then immediately contacted someone on the phone at a Bank of the West call center regarding the issues, who stated my account was frozen and nothing could be done. 

I tried to log online again on XX/XX/XXXX and XX/XX/XXXX and was unable to do so. The notices posted were Access Suspended with an invalid reason that [ I ] havent signed into it for over 18 months! On XX/XX/XXXX, I tried to re-enroll on Online Banking but was denied because my account had been closed.

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 2019-02-12 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: IL

Complaint narrative:
On 2 separate occasions ( XXXX/XXXX/2018 & XX/XX//2018 ) I have submitted letters asking XXXX, XXXX and Equifax credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX//2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: IL

Complaint narrative:
On 2 separate occasions ( XX/XX/2018 & XX/XX/2018 ) I have submitted letters asking XXXX, Experian and XXXX  credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.

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 2019-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
When I bought the car from the dealer, they gave me {$2000.00} for a trade-in. And, I sign the title over to them. But, the terms of the loan were such that they gave me an interest rate as if I had put down {$0.00}. But, I did not put down {$0.00}, I put down {$2000.00} based on the trade-in. 

I only noticed this as I was going over the terms of the loan extremely carefully. But, by that time it was already signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
On Friday, XX/XX/XXXX I was alerted by my email that my XXXX XXXX XXXX account closed. So I notified Ally right away to figure out the problem with my account. They said I made to many transactions on my card which by law, they were force to close it. So I had no way to access my {$2000.00} remaining balance to pay bills. Which I relied heavily on. 

After speaking with a customer service representative that Friday, XX/XX/XXXX evening, he explained that my check would come in 7-10 business days. That never happened. Its XX/XX/XXXX and I've been speaking with Ally customer service reps/managers everyday and they have the same responses and same excuses. The point is I've been waiting for my check from Ally for 2.5weeks. They made me file a Affidavit today ( XX/XX/XXXX ) and said theres nothing they can do. They cant XXXX mail it to me and my rent is almost 2 weeks late.

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 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
Dear cfbp, I noticed a derogatory mark on my credit from XXXX last year. I wasn't aware of an outstanding bill to 06 XXXX XXXX  and I was never contacted about it. 

Nonetheless, XXXX ( the debt collection ) agency told me I could settle the account for {$55.00} and get it resolved on my credit report. I gave my credit card info over the phone and made the payment of {$55.00} on XX/XX/2018. 

Since then, I have repeatedly checked my credit report. The account / marks are still open / unresolved. I have calledthe agency countless times and they are extremely hard to get in touch with since no one picks up their customer line. 

EVERY single time I'm assured that they will close the remarks on my account. The last time I contacted them over the phone, they asked me to write an email request as well. 

Yet it has been months and months of waiting and calling and yet they won't close the account. I feel abused and they waste a lot of my time and this has been unnecessarily been hurting my credit for years. 

I am completely fed up with their behavior.

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 2019-02-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: OH

Complaint narrative:
This debt showed up on my credit report under a company named XXXX XXXX XXXX XXXX. The partial account # XXXX. The Original creditor is XXXX XXXX XXXX XXXX XXXX. This is not my debt at all. Never went to school there. I disputed this though XXXX. My dispute Report # XXXX and on XX/XX/XXXX, they told me that it was verified as accurate, which can not be the case because I never went to school there and this is not my debt. This is however hurting my credit report and my score and hurting my process of buying a house. The amount of this debt is {$260.00}. This account was opened in XX/XX/XXXX in XXXX XXXX MI. I however live in XXXX OH. And at the time of this situation i was currently XXXX and it was impossible for me to enroll into that or any other school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: MD

Complaint narrative:
XXXX XXXX- {$1500.00} XXXX XXXX- {$580.00} I have disputed these items on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After several attempts to verify and validate the debt I have been unsuccessful. I notified all three bureaus by certified mail the accounts where fraudulent. I have requested verification of my signature authorizing the reference accounts. The information is being erroneously reported on my credit report which is having adverse effects on my mortgage loan applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony Bank and XXXX XXXX  will not update paid items. Being trying for 2 years. 

XXXX XXXX XXXX dropped one of my open accounts. 

XXXX XXXX and XXXX XXXX XXXX  seem to only update my reports every thirty days when I'm behind, but not when I've paid. Some of these cards haven't reported since XX/XX/XXXX. That was 60 days ago. I've paid the cards off twice since then and am being denied credit score increases that I'm owed for lowering my credit utilization.

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 2019-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX  and XXXX XXXX will not update paid items. Being trying for 2 years. 

XXXX XXXX XXXX  dropped one of my open accounts. 

Capital One and XXXX XXXX XXXX  seem to only update my reports every thirty days when I'm behind, but not when I've paid. Some of these cards haven't reported since XX/XX/XXXX. That was 60 days ago. I've paid the cards off twice since then and am being denied credit score increases that I'm owed for lowering my credit utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: CA

Complaint narrative:
I checked my credit report and saw a debt that didnt belong to me I have reached out to Citi but they have refused to help or investigate the situation. The only information I obtained was this was a secured card with a {$800.00} credit limit but the balance is well over {$4000.00}. The address the card was issued was not any residence of mine. I wasnt even living in that state. I explained to them it was identity theft.

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 2019-02-12 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: CA

Complaint narrative:
I checked my credit report and saw a debt that didnt belong to me I have reached out to XXXX but they have refused to help or investigate the situation. The only information I obtained was this was a secured card with a {$800.00} credit limit but the balance is well over {$4000.00}. The address the card was issued was not any residence of mine. I wasnt even living in that state. I explained to them it was identity theft.

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 2019-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, my credit report displayed that my XXXX XXXX XXXX was charged off and closes in XXXX. A month or so later they begin to re-age my date by fraudulently submitting that I began making payments dating back to XXXX. This is untrue and fraud. I have not made any payments to this account. This company has caused me to not be able to acquire loans to support my family. This is a severe injustice of my rights. I have sent letters to all 3 credit bureaus asking them to verify this information and delete this account for incorrect information being submitted. The bureaus only response is that " the account has been updated ''. Updating a fraudulent account after the fact does not help. This is a direct violation of the Fair Credit Reporting Act. RE-AGING DEBT IS ILLEGAL!

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 2019-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have contact the bank and was expecting a call back when I called at 2 but never received one its past there closing hours. The wait time was XXXX hours and XXXX minutes. I have today the XX/XX/11 to pay my bill but the bank closed my account because of fraud and wont let me access my funds to pay the account until XXXX hours when they issue something that has to do with me picking up the money from a bank. I dont have any more money the only money was in my bank and if the bank cant offer me at least {$25.00} then how will I pay if they closed my account.

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 monetary relief
Consumer complaint received 2019-02-12 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: NJ

Complaint narrative:
I applied for a Chase United Explorer card in XX/XX/2018. I was promised XXXX XXXX bonus miles if I spent XXXX dollars within first 3 months. Since I didnt activate the credit card as soon as I received it, I called the customer service number in XX/XX/XXXX and asked if I would still qualify for bonus miles now if I go ahead and activate the card. The representative told me since the card had not been activated, as long as I spent the money within 3 months of activation I would get the bonus miles. I have since spent the required amount and Ive been getting runaround to receive my XXXX bonus miles. I have since called severa times and was told I would receive them and still no miles. Then I sent XXXX emails and was told I dont qualify and they will investigate. I just want my bonus miles because thats the reason I called prior to activation and asked if I would qualify and I was told yes or I wouldnt of activated card. Your assistance in resolving matter is appreciated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and SANTANDER with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX  Credit Card - I closed the account due to charges that were not mine. 
Issue was not resolved. The account was charged off in XXXX. 
XXXX XXXX XXXX - I received threatening notices and calls in XXXX. The amount had gone up to {$9000.00}. 
Cavalry Portfolio Services SPV- I Received threatening calls of garnishment and would be taken to court if I did not pay. 
XXXX XXXX XXXX Attorney for Cavalry Portfolio Services SPV - Sued me and went to trial on XX/XX/XXXX. 
Sheriffs Dept.- Received a Levy Notice shortly after trial, completed the Exempt form and mailed to Sheriff Dept. the amount went up to {$13000.00} and still adding on more interest. 
I retired in XX/XX/XXXXand living on a Pension. Had I known I was exempt from garnishment I would have told the judge. Even though I answered the Levy, I am still getting these Levy notices, I wrote to XXXX XXXX XXXX to stop. I have been getting the Levy notices since XXXX, and they don't stop coming.

Company response to consumer: Closed with non-monetary relief