vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: TX

Complaint narrative:
On XX/XX/XXXX I called Great Lakes and I asked them for a " Master Promissory Note '' ( with my signature ) Pertaining to all Loans that they had in there office. I was sent the document named ( XXXX XXXX ), and it is attached to this complaint. I have also included a screenshot of the email it was attached to. 

There are three Promissory Notes attached to this document. On page one, the " Master Promissory Note '' does NOT bare MY signature! Also, the document was also typed and could have been replicated at anytime.

The Second " Master Promissory Note '' on page 10, also does NOT bare MY signature! The document was also typed and could have been replicated at anytime.

The Third Promissory Note on page 13, is the SAME " Master Promissory Note '' that XXXX  attached to a complaint response, that I made to the Consumer Financial Protection Bureau. 

Response date was on XX/XX/2019 with attachment. 

How is it, that The SAME " Master Promissory Note '' is used for an entirely different loan? Please explain I recently found out that Great Lakes, XXXX and XXXX are all in the same. 

I fear that these documents that Great Lakes, XXXX and XXXX are submitting to the Credit Bureau 's and the Consumer Financial Protection Bureau as proof of loans, are being fabricated! Any document sent from any of these companies should be questioned in GREAT details and should not be trusted at first sight. 

I have expressed my concerns to Great Lakes, XXXX and XXXX and ALL they keep saying is PAY, PAY, PAY!! AND how wrong I am

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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: FL

Complaint narrative:
I sent a certified letter to TransUnion dated XX/XX/19 that was signed for on XX/XX/19. The letter was a formal notice of dispute. 

I waited 34 days to verify TransUnion violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent another certified letter to TransUnion stating that they did not put a notice of dispute on my credit report, along with a copy of my initial dispute letter to TransUnion, proof of delivery, credit report dated XX/XX/19, and a credit report dated XX/XX/19 to show that the notice of dispute statement was not reported. 

TransUnion has disregarded my proof of the violation of law and refuses to remove this trade-line.

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 2019-05-05 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: GA

Complaint narrative:
In approximately XX/XX/2019, Experian offered a Beta Boost program that claimed to improve your credit score if your monthly bills were paid on time. 

At that time I had a credit score 25 points higher than it was before joining Boost. 

I provided Boost with my Bank and accounts for them to monitor for my credit card payments for my utilities, cable, electric and the bills that I pay with that specific credit card. 

The first time I called about the lower score they said the name on the credit card had to be exactly the way Boost showed it in their database. Experian had my middle initial in their database but my credit card did not have my middle initial. Boost than changed my records in Experian to remove the middle initial so that the Experian files would match my Credit Card file. 

When that didn't help I explained that all my bills are on autopay with all of my utilities etc on a monthly basis so there was no way a late p [ ayment could have played a part in lower credit score and there were no negative reporting to my account between the time I signed up for Boost and today. 

They then informed me that Boost doesn't work with autopay accounts and they were working on fixing it. 

I still had a lower credit score and Boost suggested I remove myself from the Boost program and my score would go back to where it was, so I did exactly that. 

My credit score is still lower than where it was before Boost and its been 5 months. I submitted a complaint to the XXXX XXXX XXXX and the Federal Consumer Protection Agency and Experian refuses to respond to either one of them. 

My only option would be to have my file conversation records Subpoenaed to be able to prove in court everything I have just stated is accurate and true. 

Experian has demonstrated a complete lack of wanting to help me fix my credit score which was lowered after joining the Boost program and has shown no concern or caring about ruining my credit score which I worked very hard to maintain.

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 2019-05-05 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: TX

Complaint narrative:
the way the fraud alert reads is basically having creditor deny me credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
We received a letter stating that we had requested to close the escrow account and now we will be charged an additional fee to reopen it as we are required to have it? We did not request Escrow to be closed and if we did erroneously make such an error while accessing our account online, then why wasn't I notified immediately via email or more appropriately we should have been notified at that moment that doing so would create added fees as we are required to have the account. I have reviewed all my email messages including spam and promotions and there has been no message that I elected to close escrow on the date I was on the account as stated in the letter. There are also no notices or confirmations of this action in the message center of our account online. My husband received a letter post marked XX/XX/XXXX letter that he was not able to open until after banking hours on XX/XX/XXXX and also on a weekend had a required response date of XX/XX/2019 before escrow would be closed automatically on XX/XX/XXXX which is a Monday allowing us absolutely no time for resolution before action will be taken. It is not appropriate to make such demands or send such letters with less than 10 business days to respond without email notification, or a message in the message center. In addition, I have made several attempts to notify them via the messaging center online, however when I click submit the message does not submit and does not show up that I sent a message after several attempts. As mentioned it is a weekend and the letter was opened Friday evening after hours, we can not stop the closure of Escrow with added fees to reopen as we are told it will occur Monday XX/XX/XXXX.

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

Complaint narrative:
the way the fraud alert reads is basically having creditor deny me credit

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 2019-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXXI contacted Amsher Collections to settle four accounts that have been in collections since XX/XX/XXXX. The break down of those are {$84.00}, {$84.00}, {$84.00} and {$70.00} for a total of {$320.00}. There was an account on my credit profile for the exact total in which I disputed that with amsher collections about a year ago and they removed it from my profile. Let it be known, when I contacted the creditor they claimed those accounts are no longer with them and have been submitted to a law firm therefore I couldn't do anything about it yet they still showing as " open '' and being reported on my credit report. After this statement she said I do however owe them approximately {$430.00} ( which isn't on my credit report ). I requested to set up a payment plan but she denied it and claimed she could reduce it to {$320.00} if I paid " today ''. It appears this is just a total of the four accounts with a few extra dollars added which now has me skeptical and questioning the authenticity of this " account ''. At this time I requested documentation that outlined the delinquent accounts to be mailed to my home for my review and verification which she refused to do. Unable to find a resolution to this I got off the phone. I have contacted once prior to this and the collection agent was extremely rude and unhelpful so I ended the call abruptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Re : Synchrony Bank XXXX XXXX XXXX Around XX/XX/XXXX, my husband and I paid down nearly all of our cards. My credit limit from my XXXX XXXX XXXX was {$800.00}, and I applied {$600.00} to that balance. It had a wonderful impact on our credit reports. Mine was closing in on XXXX. Fabulous! So we decided to refinance our mortgage and started that process. 

On XX/XX/XXXX, Synchrony Bank claims they received negative data from the credit bureau ( not true ) which led them to slam my limit down to just over {$200.00}. **That put my utilization with them at 97 % and caused a 40 point drop on my FICO score. ** I have had that account almost 4 years. I have a flawless payment history with them. In fact, I have flawless payment histories with all of my revolving credit accounts, mortgage, and car notes. 

When I contacted Synchrony they could not have been more cavalier. They gave me the runaround, every time I asked to speak with someone in senior management they would just transfer me to another person on their same peer level. I begged with them because tomorrow our mortgage company is pulling the final copy of our credit bureaus as that final check before completing the refinance. I got absolutely nowhere. 

They said that the only thing that they could do was open an investigation which would take 30 to 60 days to complete. But that I would have to file a dispute with the credit bureau. That doesnt make sense, because the decision was made by Synchrony. Whatever information they claim to have received from the credit bureau was in accurately reviewed on Synchronys part. -By their algorithm or whatever they use. Im sure its an automated system. 

My request that they rectify this manually, fell on deaf ears. Their error is going to cost my husband and I a much needed re-finance on our mortgage. I can not believe that we have worked this hard to rebuild our credit and establish years of excellent payment history only to have a corporate error stand in our way. 

Im not requesting the credit allowance be reinstated because I just want to go shopping. I want to maintain my responsible credit utilization ratio. 

I deeply hope you are able to help. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is a letter they request and I sent to them. On XXXX, We want to continued with this dispute. I purchase 2 tickets with XXXX XXXX on XXXX. Purchase on-line with my Master Card. Did not get a printed receipt. 
I called XXXX to cancel flight. My wife was was coming down with the flu. Was told there was a cancel fee. Was also told for a credit for balance to be credit on my card 2 to 3 days. Will be notify via email account. Never received, Call back XXXX asking about credit on my account. Was told credit be applied to future flights. Good for 90 days. Never told this on XXXX. Then I call Master Card to start a dispute. There should be a recording to the airline XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I noticed I had a debt to this company and I havent been given enough information to verify this debt

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 2019-05-05 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I have disputed a couple of items on my credit report which have been removed from both XXXX and XXXX but they say they have completed the investigation on my Equifax report cant view it and it doesnt look like anything has changed. Every time I try to view it say it is currently unavailable or that it cant be viewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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:
This is primarily in regards to Both Transunion, XXXX  and XXXX with specific focus on TRANSUNION and XXXX : I have unsuccessfuly been able to reach to ANY actionable results with Transunion over the course of the past two months as it relates to disputing inaccuracies and false information on my Credit Report. The same is True for XXXX. 

My last attempt with Transunion failed as every time I attempted online to find a way to dispute derogatory collections I was directed to " provide my credit card information '' without any explanation as to why or what is was going to be used for. So " Accessing '' my credit report through Transunion involves a forced " Payment Plan '' before even being able to " Dispute ''. 

Through many hours of research I finally got a customer service number to reach a " human being '' and guess what?, pretty much like XXXX, I was now speaking to a XXXX who was asking me for my Personal Social security Number. This was something I was not prepared to give out so willingly and had to ask several times if I was speaking to an American based office in which I was finally told " No ''. 

I went ahead to explain my issues and sought clarification as to why I was being asked to provide my credit card information through a Transunion portal without being given reasons as to what I was paying for and this rep danced around the question as expected. Now lets be clear, I only want to dispute the following on My Transunion : -Duplicate Amounts from the Same Collection Companies - The fact that said Accounts ( Medical ) were not mine - Inaccurate/Similar Names on my Credit report which are actually family members -Inaccurate/Incorrect Addresses and Places of Employ This was a very similar issue or issues with XXXX At the end of it, this person, who grilled me from the XXXX on behalf of Transunion and Received my social security number stated that Her Department can not handle said issue and she would need to " Transfer Me '' to another Department. WOW!!! 
Disbelief and utter shock. 
I was then transferred but NOW, I was speaking to an XXXX Gentleman with a very strong accent who proceeded to re-qualify me before I could even get to my issues. I refused and He stated that he will transfer me to His American Counterpart. 
Of course, this without giving me a direct number. Needless to say, that number was not operational at that time when transferred and NOTHING was resolved on my end. 
This is NOT the way American Companies are supposed to Treat American Citizens of Residents. This is NOT right.

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 2019-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
I had money on https : //www.coinbase.com ( Coinbase Inc ) which I withdrew and I still have not received it. 

On the XXXX XXXX I withdrew the following amounts to my XXXX bank account ( two separate transactions : XXXX XXXX I have contacted them numerous times but have not received my money back. 

The bank details are correct and I withdrew around XXXX the day before with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: FL

Complaint narrative:
I hired XXXX XXXX XXXX last year to help consolidate and pay off credit card debt especially my Discover account which had a big balance. As the months went by they were never paying Discover. At the end of XXXX last year my checking account had a levy put on it and all my money was taken in a garnishment. This was the day before rent was due in a new apt . I was left with nothing to pay rent or anything for food and to survive. An attorney 's office working with Discover did this for non payment. After going back and forth with Discover and XXXX XXXX XXXX. Discover stated they would have taken {$250.00} a month towards my debt and XXXX said that Discover would never negotiate so they made no payment and yet I was paying XXXX {$440.00} a month. That weekend I starved and was worried I would be kicked out of my apt . which had just happened to me because the place I had rented for 3 years the landlord died and the family wanted to sell the house and I had to move within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I opened an XXXX XXXX account with citi, and provided full instructions at opening time itself on how to transfer funds to the Savings account. Trial verification deposits were made by Citi to my XXXX XXXX account and then withdrawn as expected. 
When I tried to login to my new Savings account, Citi 's absolutely website does not allow me to do ANYTHING with my new Savings account ... can't change ATM PIN nor allow me to validate/confirm my external Savings account. SO after trying to manage this across 3 computers and 4 types of web browsers, I call Citi who make it so IMPOSSIBLE to talk to a human being for a Savings account ( they actually don't even have a Savings acct option in their phone systems ) ... the rep tells me that I need to create a new profile to login and use my Savings account. I go and try to do that, and am again blocked by Citi 's site from doing on. So I go to Live Chat and they tell me unlink the Savings from the current web profile. I do that and then try to register for a new profile for Savings alone and the not-helpful at all website again blocks me saying I can not create a new profile for Savings. So I call in to customer service and they are simply not helpful and disconnect the call ... worthless service there too at all channels. All this was done so that Citi can charge an honest citizen the fees by not allowing me to deposit the requisite amount in time.

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 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I bought a US Bank Mastercard gift card for {$200.00} from XXXX XXXX on XX/XX/2019 ( Receipt attached ). I am unable to retrieve the balance by going on the website as well as when trying to call in to the service at XXXX. It says ''due to the status of your card, we can't process your request. '' I am unable to get in contact with anyone regarding the status of the card. 
I have attached a picture of the prepaid gift card front and back so you can check that it doesn't work. It in not past 12 months so it can't be empty due to inactivity. From a previous letter, I also called XXXX and couldn't reach anyone.

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