vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Pioneer Credit Company, Inc
State: MS

Complaint narrative:
I would mail my money order in but the loan branch manager would hold it and tell me before she would credit my account I needed to bring in another payment. Which was confusing to me. I would call and cancel a verbal payment and they would put through the payment anyway in order for me not to have the account paid. They would keep changing staff and no one knew what was going on. I had an uncle XXXX in my family explained to them that I was in the middle of XXXX and as of today 's date no one would work with me due to the devastating loss. I tried to get my account current but with no assistance from management. They continue to change staff and no one is ever available to keep proper records nor work with their clients as they should. Management is deliberately putting accounts in default in order to ruin clients that have been paying customers for years. I have had several accounts with this company and they have worked with me in the past but when they changed staff no one seemed to care about the customer and continue to run payments when they wanted and not when they were to hold payments as agreed they continued not to assist causing customers to be frustrated always. The company has been a very good company in the past but as they changed staff things became more of a problem when trying to resolve things.

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 2017-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was applied this Merrill + Visa Signature Credit Card card on XX/XX/XXXX, I was received a notification says the card has been approved, and received the card within the following week, I activated this card on XX/XX/XXXX, and started to using it on purchases.
Last week friday XX/XX/XXXX, someone called me and said my card has been abruptly canceled due to their error, I do n't know how they can cancel a card which has been activated, signatured and used then unilateral canceled without further consult with me. 

There is no any reimbursement or replacement about cancelling this card and they even mailed me more of this card user agreements. 

I really want this card, but due to lack of transparency and reasoning, I need a further investigation about this.

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 2017-09-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Control Technology, Inc.
State: TN

Complaint narrative:
I was not enrolled in XXXX University. I was unable to receive financial aid because I was not enrolled. My account was placed into collections. I have paid half of the debt. My account was moved to another collection agency. I no longer intend to pay a school I was not enrolled in. I was not able to get financial aid or a student loan because I was not enrolled. The date was XXXX  2012. I also plan to put in a complaint with the Dept. of Education

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I closed an account with XXXX. I paid all monies due and returned all equipment to the company. XXXX then sent my account to collections with out notifying me. I informed the collections agency that all monies were paid. in XX/XX/XXXX diversified consultants put on my credit an collection for XX/XX/XXXX. this information inaccurate for two reasons 1. the account is paid in full. 2. the account was charged off in XX/XX/XXXX. the FCRA sec 623 says that an company has 30 to notify me before putting anything in regards to my character on any consumer reporting agency. to report a new account on an old debt is also against FCRA. diversified consultants, during our conversation explained that they knew the account was was closed in XX/XX/XXXX and charged off, however still reported it as a fresh debt, a significant violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05 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: TX

Complaint narrative:
I have disputed with all three credit reporting agencies on XXXX XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the XXXX XXXX XXXX XXXX. That is n't even supposed to be reported because child support is Title IV-D which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the XXXX XXXX XXXX XXXX does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.

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 2017-09-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please find attached the creditor letter for which they have approved to remove the fraud account from my credit report, i have already submitted this letter to both experian and XXXX, but still they have not removed this account except XXXX. 
experian needs to remove right away instead of disputing this account. 
thank you for your cooperation

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 2017-09-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XXXX XXXX 2015 I requested information from Navient regarding my options for students loans. I had previously lost my position at the company I was working with and was struggling to pay my student loans. When I contacted Navient I was told that my only option would be to pursue a forberance which would extend for three months and that if needed I would be permitted to file a second forberance. When I filed for the foreberance I was told that I would need to pay a fee of {$50.00} per student loan. Together this amounted to {$150.00} which was the same amount of my monthly payments. When I asked about income based repayment I was told that this was not the best route for me to pursue. 

I find that having to pay a fee for the foreberance period a bit troubling as it was not a full three months as they were basically taking a student loan payment at the time and still charging me interest on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
SECURITY CREDIT SERV XX/XX/XXXX date opened XX/XX/XXXX dated reported This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I was released from a lease which had three lessee 's and tried to settle but the lease holder XXXX XXXX XXXX XXXX in  XXXX Florida would not accept my portion of the lease, due to another lessee being delinquent. They refuse my check several times, and then agreed to write me off the lease. They later sent turned over the collection to Hunter Warfiield XXXX XXXX XXXX XXXX XXXX FL, XXXX. My account number is XXXX they have a claim for XXXX. I again contacted them to settle, they refused to settle. I would like to settle, but they released me from the lease only to notify I owned XXXX. I do not owe this amount. I supplied documents they signed releasing me form the lease after they refused to accept my payments.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
please find attached the creditor letter for which they have approved to remove the fraud account from my credit report, i have already submitted this letter to both XXXX and XXXX, but still they have not removed this account except XXXX. 
XXXX needs to remove right away instead of disputing this account. 
thank you for your cooperation

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 2017-09-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the TEXAS ATTORNEY GENERAL OFFICE. That is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XXXX XXXX and XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the TEXAS ATTORNEY GENERAL OFFICE. That is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.

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 2017-09-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
please find attached the letter from the creditor XXXX XXXX, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to equifax and XXXX. 
equifax does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Incorrect information about date of birth and employment status on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I was approved for a visa card with comenity on XXXX with a XXXX CL. I received my card in the mail on XXXX and on XXXX I went to use the card and it was declined. I called comenity and was told that XXXX days after my approval, my profile was reviewed again and they decided to close the account because of too many inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
please find attached the letter from the creditor XXXX XXXX, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to XXXX and transunion. 
XXXX does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.

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 2017-09-05 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
please find attached the letter from the creditor Nissan Infiniti, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to XXXX and XXXX. 
XXXX does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a victim of identity theft. This dispute is about a checking and savings account at Chase. I have two previous complaints against JPMorgan Chase bank. These complaints were in reference to a credit card opened as a result of fraud. XXXX from the Chase executive office reached out to me and told me that Chase was holding me liable for the credit card because I had been inside of a branch of showed ID. Upon disputing that with XXXX I asked him to get me the location of the branch and the name of the branch manager so that I may visit that branch and show ID and prove that it was not me that went inside this branch. XXXX called me back and told me that upon doing further research Chase found that I had not been inside of a branch after all and they they were opening up the investigation again. XXXX told me that Chase opened a checking and savings account in my name and that I needed to dispute the checking and savings account before the credit card account could be removed. I submitted the documents Chase asked for. Please note that I have attached the police report number but I was not given a copy of the report so I am attaching what I was given. In addition to the affidavit from Chase I am attaching a copy of the FTC affidavit of identity theft, a copy of my photo ID and a copy of the lease from the apartment I was living in during the entire life cycle of this account which is not the address Chase sent credit/debit cards and or checks to. XXXX told me on the phone that he asked the credit bureau department at Chase to update my credit report to temporarily remove the negative reporting while the investigation was completed, however as of XXXX that has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Although Citizen 's Bank increased interest rate three times this year, in XXXX they increased the interest rate for the fourth time although Federal Reserve did not increase interest rate since XXXX of 2017. It appears that the Bank is intended to harass us with systematic increase of rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
Have made my mortgage payments on time since inception with this company ( 7to 10 years ). All of a sudden, they start calling and informing me that I 'm {$480.00} late and considered late every month. This is the first I have heard of it ever. I was forced to pay the amount on the phone so as not to be reported " late '', and was told a payment dispute tracking request would be initiated. Never happened and never received any information/update from Seterus. 
An agent called from Seterus TODAY to tell me my payment was late. It was paid on XX/XX/17! Not in their system apparently but my bank shows otherwise. I was told it 's my problem and I have to submit a request in writing to get them to do anything. I have done nothing wrong. I am up to date, but they will send me nothing to confirm that. Agent, XXXX XXXX XXXX looked at my file today and said that there were no payments due other than XX/XX/2017, which I have paid on the first. He referred me to " XXXX '', his supervisor, and he had no answers either! I work, stressful life like many, and have already been robbed of at least two hours of time with these people with no answers! No agent has any real knowledge of what they are doing and how to help the consumer. This is wrong! Life is stressful enough. Now another evening is ruined by these inept people. You pay your mortgage and bills on time, do everything right so as not to have unnecessary problems added, and then something like this happens. I feel I am being harassed and I want resolution. I have to work so I can keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have a loan serviced by OCWEN on my Property at : XXXX  XXXX XXXX, XXXX XXXX, PA-XXXX. 

I could not keep up with the payments for various reasons, given in the hardship letter. The Servicer put up my property for Auction/Sale on XXXX of this month. 

I have already submitted a Short Sale Package ( ALL CASH Offer ) through my 3rd Party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have had my Capital One credit card almost three years. Never had a problem and I never paid my account late at all. 

They have restricted my account access because of fraud they say. Capital one says I have too many authorize users and they want me to get every single one of their driver license and social security card and send it to them before they will let me have access to my account. 

There is nothing wrong against adding friends or family to your credit card as authorize users. 

Capital one said I have too many on there and now they have restricted my access because of this! NO WHERE on their site does it mention if you add X amount of users we will lock your card down and make you bother every single one of them for their personal information to send to us! 

I then told them I did n't realize I had that many users on there who NONE have a card and would like to remove some. They would NOT let me remove them! 

The sad part is I AM advertising FOR CAPITAL ONE and telling friends they should apply for a credit card with them! And this is the thanks I get! A LOCKED account!

Company response to consumer: Closed with explanation