vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 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:
XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$1200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had health insurance at the time and therefore these costs were covered and there should not be any outstanding balance due. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.

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 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian 's website is complete garbage when trying to freeze or unfreeze a credit report. 

I spent time online trying to figure out if my report was frozen or unfrozen in its current status by trying to freeze or unfreeze but it would fail and tell me to mail my information to their office. Physical mail for this is outdated as its not needed for XXXX  / XXXX. 

I tried calling them multiple times. Sometimes the line got cut. Many times, I got transferred around. Eventually, I was able to reach someone who tried freezing it and ran into errors and said to call an hour later. I called again later and they were able to freeze it. I asked them to kindly wait on the line while I try adding a temporary unfreeze window on their website as I have had issues with the website and they said they can not wait and hung up. 

I tried unfreezing it temporarily online afterwards and again, it did not work - it asks me to mail my information to their office. 

In general, their online website is garbage for figuring out if your report is frozen or not and for actually freezing / unfreezing it. Their phone support is quite garbage too because they redirect you a lot and do not seem actually interested in ensuring the consumer is satisfied ( they would not wait for me to try a temporary unfreeze online which takes ~1 minute ). 

If you want to use the lock feature, I am sure it works well ( so using locks instead of freezing ), but you have to pay them ~ {$10.00} a month. 

In general, experian feels like an evil company that could use some reform, especially with their website and freeze functions on the site. 

All of this occurred over the course of XXXX to 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 non-monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Blackstad, Hrabe, Kirlorsky, LLC
State: AZ

Complaint narrative:
My social security number is XXXX. Since about 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$700.00}. I believe I appreciate BHK Financial originally XXXX  XXXX XXXX XXXX accepting money from me over this time. However, I am concerned about damage to my FICO score too to qualify for a home. I am still collecting unemployment and now I am starting school next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NM

Complaint narrative:
Loan Opened XX/XX/XXXX for couches and entertainment set. ( cohns home plus ) Paid XXXX $ monthly. at 0.0 % interest. I had a previous balance of XXXX $ that I was told that would roll over onto one account ( opened XX/XX/XXXX ). 
Come XX/XX/XXXX I was having excessive collection calls on both my phone and husbands phone 6-10 times a day each sometimes back to back, regarding balance from " closed '' account, {$500.00} balance. and current balance. 

Example : loan due XXXX of every month. today is XX/XX/XXXX 3 days past due and we have had 20 phone calls in the last 2 days. 
I have made 2 different attempts to file complaints and have been told that the company has no control over phone call limits. I have asked to speak with the legal department and keep getting routed to customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have two credit cards with Citi. For some reason there was a fraud alert from XXXX, which I already fix and citi does not want to acknoledge. They cut my credit limit down and affected my credit score on the limits. I am already paying one credit and told them to increased the credit on my other card. They refuse. I try two times to get it fix But the credit card customer service told me no. Even when I told them that I need it speak to a manager. It was denied. I am trying to increased my credit because of that fictitious fraud alert that XXXX  did to me and I can get it fix. So I am writing this complaint against citi cards. 

Citibank XXXX XXXX XXXX XXXX, KY XXXX Citibank XXXX XXXX XXXX XXXX, AZ XXXX The number for our Customer Service team is XXXX ( TTY/TDD : XXXX ). This department is available 24 hours a day, 7 days a week.

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 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
on XX/XX/2019 at appox:XXXX XXXX  XXXX I called Franlin collection firm after receiving letter by mail spoke to a rep by the name of Mr. XXXX XXXX at ext XXXX whom I provided the Fcsi  case number rep did not Identify any other information to be sure he is speaking to the right party and never resighted the mini miranda before discussing the debt.. I advised rep I was in abritation with creditor at and t regarding contract and services that were discussed and that i was disputing the debt. The rep was talking with me and over me with a very mean tone which offended me after i told him i was disputing he sill insist payment and explained his attempts to still collect the debt after being told i prefer no contact until matter is resolved through arbritraction with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I have a CITICARD CBNA card with my brother. The account has been paid in full and CITICARD has notified the appropriate credit bureaus that the account has been paid in full, but only on my brother 's credit bureau accounts. The account has been paid in full for some time now. On my credit reports CITICARD CBNA are still reporting a balance of {$1100.00} with a limit of {$5900.00}. I am trying to obain a mortgage but this account and XXXX  are negatively impacting my ability to obtain that mortgage.

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 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I received an email on XX/XX/XXXX regarding a 0 % rate for purchases only through XX/XX/XXXX on my Capitalone account. I left a balance on the only Capitalone card I use on a regular basis and I got charged interest for it. After talking to the supervisor, she said it pertained to my other account, not the one I use on a regular basis. I didn't even realize I still had another account out there. And they wouldn't tell me when the last time it was that I used that account.

After speaking to a supervisor, they said there was nothing they can do even though they can see where the confusion is. I also have two credit cards tied to the same account, which could easily be mistaken as well. Again, I didn't know I still had another account out there.I use one account on a regular basis that has two separate card numbers and the email was for another account that hasn't been used in over 10 years.

I asked if they would honor the 0 % for the remainder of the advertisement to the account I thought it pertained to and they said no. It was only for the other account, one that hasn't been used in over 10 years. I am tired of these companies using deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OR

Complaint narrative:
Amerihome Mortgage has repeatedly failed to communicate with me in a timely/effective manner to notify that a payment was reversed. My account has sufficient funds and I have verified on their site that my information is correct. Trying to avoid a delinquent payment with them is like herding cats because of the ineptitude of their staff and lack of functionality aloft of their site and systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reese Law Group
State: CA

Complaint narrative:
There was a lawsuit Reese Law Group on behalf of XXXX XXXX XXXX sued my son and I over a multi-car accident. The judge proposed decision to {$8300.00}. Then, it was modified, because my liability was limited to {$5000.00} in economic damages and {$1800.00} in non-economic damages. A total judgement was entered for the amount of {$8200.00} on XX/XX/XXXX. 

I called Reese Law Group many times to settle it. They gave me a direct line to a person that was handling my case. I called her many times and left her voice messages, but she never called me back. She picked up a phone two times and she said that she would call me back, but never did. 

In XX/XX/XXXX, I received a letter from county of XXXX stating that a lien was filed on my name and my son 's name. I emailed the judge and asked him for help. He suggested that I call XXXX XXXX XXXX directly. I called XXXX XXXX XXXX XXXX and left her a voice messages, she did not call me back. 

On XX/XX/XXXX, I received an email from Reese Law Group supervisor and he said that I need to pay amount with accrued interests in the amount of {$590.00}. I explained him that I had tried contacting them to resolve, so the interests should not be charged, but he declined it. He said that if I don't pay, they are going to more damage that they had done. So, I decided to pay and deal with interests later. Then, he twisted the judgement language and said I owe them {$8800.00} and my son owes them an additional {$1600.00} and to satisfy the judgement they ( XXXX XXXX and Reese Law Group ) will need {$10000.00}. If not, they will do more financial damages to us. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing because I would like your help in enforcing my request to the 3 credit bureaus who have refused, despite my multiple requests, to remove inaccurate names and inaccurate addresses from my credit report. I have specifically stated that they put me at risk for ID theft as a result of these multiple entries on my credit report and yet they failed in honoring my request and hence maintaining the integrity of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 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: TX

Complaint narrative:
I have been trying to dispute these accounts on my credit report but i havent had any success. Please delete and block the following accounts : XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX {$25000.00}

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 2019-12-19 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:
I have been trying to dispute these accounts on my credit report but i havent had any success. Please delete and block the following accounts : XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CHARLES SCHWAB CORPORATION, THE
State: AZ

Complaint narrative:
My social security number is XXXX. Since about 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$2000.00}. I believe I appreciate Charles Schwab Bank 's collection agency for accepting money from me over this time. However, the original funds have not been recovered from my client 's checks yet. Now, I am concerned about damage to my FICO score to qualify for a home. I am still collecting unemployment and now I am starting school next year.

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 2019-12-19 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I attempted to contact the company and was past due and daily interest is being charged. I told the company that I cant the past due all at once and could they please close the account I no longer want to use their services. I can pay XXXX a week on the account. They said no gave me another option - I said again what I can pay. They said they will not close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: NV

Complaint narrative:
Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$690.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, this account is well over ( 7 ) years old and second, I have not had a XXXX account since college which was many years ago. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have sent Capital One notice stating that I was unable to pay this Credit Card balance on as of the moment due to a lack of income, however I have now been dealing with harassment letters from someone claiming to be a Creditor ( XXXX ) for several months. 

I have requested proof of the whereabouts of from XXXX for several months now and have not received a ligitamate response with proof of the requested documents such as : 1. Show me the evidence of the original contract from Capital One, because as it stands, there is currently a class action lawsuit ( Zosiak Versus Capital One ) againts Capital One for having a " breach in their data base. '' 2. Provide the license that XXXX has to collect money from me in my state as well as the contract agreement that I orginally entered into with XXXX  to do so. 

3. XXXX XXXX XXXX is still lacking the proof of the charges as they pertain to the summary of this debt with Capital One. I have also requested proof of how they've obtained this information as mentioned previously, however my original request was never satisfied neither the latter. 

*what are the specific interests, fees and charges that brought this balance to a particular amount. 

I was hospitalized multiple times in 2019 as a result of the stressors from XXXX ' Harrassments. Please see documents from XXXX hospitalization if this portal allows for uploads.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a XXXX XXXX card with my brother. The account has been paid in full and XXXX has notified the appropriate credit bureaus that the account has been paid in full, but only on my brother 's credit bureau accounts. The account has been paid in full for some time now. On my credit reports XXXX XXXX are still reporting a balance of {$1100.00} with a limit of {$5900.00}. I am trying to obain a mortgage but this account and Equifax are negatively impacting my ability to obtain that mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have contacted CitiBank numerous times by phone calls, letters, emails and portal secure messages regarding a disputed charge. 
Despite repeated responses of [ Well get back to you soon ], they have never responded which I suspect is in violation of regulations. 
I called Citibank on XX/XX/2018 since they had again apparently ignored my letter including options I offered them e.g. cancelling my account & refunding annual fee ). My phone notes : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2018 XXXX XXXX : XXXX? 
CitiBank - Partition Magic chargeback error Can't waive annual fee : I'll get a {$99.00} statement credit if I spend {$99.00} in first month. Dispute resolution team said they didn't get letter until XX/XX/18 and want 7-10 business days to either call me or send me a letter regarding the resolution. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Even though the agent, while I was on the phone, dialoged with the Dispute Resolution Team and confirmed they received the letter on XX/XX/2018, they still never responded as they ( again ) said they would. 
Since they refused to refund the annual fee, we started using the card again after 2 months to take advantage of benefits we had now paid for. 

I thought I would again attempt to resolve this matter with the help of the Consumer Financial Protection Bureau. 

Note : I originally attempted to file this complaint on consumerfinance.gov last year after I had prepared my latest letter to Citibank, but ran into obstacles on the website ( you'll note such references in the letter ). After many hours of putting that letter together, I just didn't have in in me to spend yet more time trying to overcome the technical obstacles of filing the complaint on consumerfinance.gov. I suspect it was the 10MB file size limit and the original pdf is almost 15MB. I have since purchased software that allowed me to shrink the original pdf and attach it to this complaint.

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 2019-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I applied for a trial loan modification which I was approved for. I was instructed that I would need to make 3 trial payments and the modification would then become permanent. In the paperwork I was sent, the payments must be made in the month they are due or the trial would be terminated. I made the first payment on the XXXX of the first month without issue. I attempted to make the second payment on the XXXX of the second month and was told that the agreement had been terminated on the XXXX. I know for a fact that payments are accepted until the last day however I have been told there is nothing they can do and I will have to reapply for modification and hope my home doesnt go on sale before then. I would like BB & T to honor their word and reinstate my modification so I can resume making payments.

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