vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
An account name XXXX  XXXX  is reporting a repossession that is incorrect. This information was challenged a little over a year ago. This account was dispute because it could not be verified. My ex wife filed bankruptcy in 2015 and put the joint account on a payment plan. This resulted in the unverified information to appear back on my report. I resubmitted a re-investigation for thid account again. 2 credit bureuas XXXX and XXXX  deleted the item but transunion will not budge. I have called transunuon, sent letters and have given the creditor 2 months to verify the information and still it comes back unverified by transunion will not remove the account. Federal law states that if any information is to be re-inserted back on the consumers credir report the credit bureuas have to notify the consumer within 5 days. This was not done. I am requesting this inaccurate information be deleted as soon as possible due to a violation of the FCRA section 611.

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 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: GA

Complaint narrative:
An unsolicited card was sent to my XXXX XXXX XXXX daughter. We do not consent to this card. However, when I try to contact the company, I can't get through to anyone without entering her SSN. This I will not do! XXXX XXXX should not be issued to underage children without consent. We should be able to cancel without giving personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I get a daily call from " XXXX '' letting me know that I am eligible for a zero % interest rate and I must accept the call in order to prevent my card from being cancelled. The number calling is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC
State: IN

Complaint narrative:
XXXX XXXX of GC Services Limited Partnership contacted my place of business on multiple occasions. XX/XX/XXXX was the last occasion, where I actually called her back, and informed her that the number she was calling was my place of employment, and that her continued calling was going to cause me difficulties at work. Apparently, this was not enough for XXXX XXXX, as she called once again on Monday, XX/XX/XXXX. I again informed her that she was not to call my office, and that by doing so she was violating the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
citibank contacted me several times about needing information for my accounts. i called them back at least 5 times to ask what they needed. they kept telling me they would check into it and never did. they ended up freezing my accounts for over a week and checks were bouncing. they finally fixed it. to keep my accounts open, they want me to give them so much information. many of the questions seem intrusive. i have had these accounts for 25 years there.

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 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FM

Complaint narrative:
I tried sharing my credit card information to my XXXX account. In order to up to date information on my account because I am applying for a VA Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: GA

Complaint narrative:
Disputed errors on y credit file and the results came back as verified with XXXX  the following address XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX  XXXX XXXX. XXXX, Ga XXXX and the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} Transunion XXXX XXXX XXXX XXXX {$2500.00} 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 2018-05-17 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: GA

Complaint narrative:
Disputed errors on y credit file and the results came back as verified with XXXX  the following address XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX. XXXX, Ga XXXX and the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} 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 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America and third parties of bank America keep calling me, family members & places Ive worked threatening to be sunmon me to court to pay a debt that was over 13 years ago.

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 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage was just sold to Shellpoint Mortgage Servicing/XXXX XXXX XXXX XXXX XXXX. I wasn't even notified by them or XXXX XXXX loans who previously owned my mortgage. 
When, I finally got setup on their website https : //www.shellpointmtg.com/ and got logged in. I saw a disturbing statement! It says, " The loan is in active bankruptcy. Please contact the bankruptcy department to service this loan. '' Well, I call them XXXX XXXX XXXX XXXX and get put on HOLD and no-one ever picks up! Been trying for 3 days now! HOUR AND HOURS ON HOLD. No-one ever picks up! 

I have never missed a payment in the last 2 years. I hear this company is a crooked foreclosure company. I guess it's true. They won't even answer the phone to rectify my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
my student loan was disbursed by my school to the wrong account at XXXX XXXX. over 15000 has just disappeared and I still have to pay it back. The bank said the school must contact them directly in order to send the money to the correct account. XXXX confirmed that they recived the money to account XXXX however the person has withdrawn it and frozen the account. I should either have that money refunded or not be responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pinnacle Credit Services, LLC
State: WI

Complaint narrative:
Pinnacle Credit Services LLC Company : XXXX Amount : {$3000.00} Acct # : XXXX : ref # XXXX I was informed by a financial advisor there were a few thing on my credit report that should have been closed XXXX included. I called the number I was given by XXXX this morning XX/XX/18 and was informed that Pinnacle was sold to another credit service called XXXX XXXX XXXX ( XXXX ). I settled within a year of my Cancellation of service for {$800.00}. 
I am disputing the amount and would like this removed from my credit report as it is hindering all attempts at improving my credit score. 


Thank you in advance. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX I found a transaction in my savings account, dated XX/XX/XXXX, where XXXX did a trial debit of {$1600.00}. I immediately went to TD Bank in XXXX and filed a claim XXXX. The CSR said it was a debit fraud issue. It was actually an ACH issue I found out a week + later. Later that evening I found another trial dated XX/XX/XXXX. My account was then frozen and I could not access online banking. I was being told I had to agree to a verbal (? / used to be a written ) disclosure and the phone wait time in the branch is 2 hours. I have yet to get a response to my claim as to whether I am safe to use my accounts again. They have told me the funds were not taken since I reported the same day, but I have no update as to whom tried to take my money. Their voicemail is vague and I left 4 messages XXXX. I found out last Friday that they don't answer the phone. Then why was I given their # to call?? This operating procedure is unacceptable. I got the runaround from XX/XX/XXXX - XXXX. I could do no banking nor see if my remaining funds were in tact. Coincidentally, I just heard that my employer 's payroll person is being accused of stealing money from the company. Hence why I am concerned also about my remaining accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I received a letter from Wells Fargo stating my Escrow account would need to increase so I could either pay {$120.00} now or my payments would increase to offset the escrow increase. The letter showed the projected escrow for XX/XX/XXXX to XX/XX/XXXX as a decrease in the money needed not an increase. It further showed my actual XX/XX/XXXX to XX/XX/XXXX as staying the same. I paid the {$120.00} so my monthly payments would not increase. I also paid an additional morgage monthly payment to keep from being in the rears. When I received my XX/XX/XXXXnotice the monthly rate showed an increase. I called Wells Fargo for an explanation and they agreed the letter was incorrect. They stated they would research and get back to me. They did not. I called again and asked for a Supervisor, she agreed the letter was wrong and she would research and call me back. She did not. I called again and was transferred to XXXX on XXXX, she stated she would research and call me back. She did not. I called on XX/XX/XXXX and was told XXXX at ext XXXX would be handling my complaint. I called and left her a message. She did not call me. I called today XX/XX/XXXX and spoke to another person who said XXXX never handled my case it was XXXX XXXX, ext XXXX he did not answer so I left him a message. 
Wells Fargo has got money up front to cover any extra Escrow but they still went up on my payments. They have a reputation for asking you to pay more and even when you do they still go up. See what happened to them awhile back when they were fined. 
I have attempted go give them time, 2 months, and opportunity, I called at least 5 times, to right this wrong, they will not respond, always pushing me off to someone else.

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 2018-05-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I sent all credit bureaus my identity theft reports with all fraud accounts attached told them I am a victim of identity theft. multiple unauthorized accounts opened in my name to be ignored and told to contact the furnishers. my police report # XXXX. I have also sent all information to the FTC. I have been provided with no contracts with signatures from any of these creditors or the credit bureaus showing how they believe this information is valid. These are not my accounts & I am not comfortable calling companies I have no business with this is preventing me from even renting a house. they have also been theft reports I demand this information removed & each company to send me the documents used for validation with legal signatures ( no print screens ) of bills I have no knowledge about

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 2018-05-17 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: MO

Complaint narrative:
On XX/XX/XXXX I contacted Capitol One to pay off my credit card balance which was {$290.00} The representative asked for my routing and account number to make the payment. I stated to the rep that I will be using my sister 's routing and account number to make the payment. The rep said it was ok and took the routing and account number. On XX/XX/XXXX I checked my account and noticed there was no payment made. I called Capital One to see why the payment didn't post. The rep stated that the routing and account number was not correct. I asked the rep why didn't they notify me of this issue and the rep informed me that they don't notify customers, it's up the the consumer to check their accounts. I asked the rep if he could repeat the account and routing number that was given to make the payment. The rep couldn't give me that information but stated they tried to take the payment from MY checking account and not my sisters. AGAIN i did not authorize the payment to be taken from my checking account. I spoke with a supervisor to express my dissatisfaction. The supervisor apologized and waived the late fee. I gave permission for my sister to speak with the supervisor to make a payment once again with the same account and routing number. I informed the supervisor that I would like to add my sister as an authorized user but I don't want to add her until my credit card reflected a XXXX balance. The supervisor took the payment. The next day I checked my credit card balance, it stated a XXXX balance, so I added my sister as an authorized user. On XX/XX/XXXX, I checked my credit card balance and noticed the payment still did not post! I viewed my checking account and noticed capital one attempted to take the payment once again from MY bank account! The funds were not in my checking account and this caused my bank account to go into the negative in addition, my account showed a " bounce check ''. I called back to speak to another supervisor who was not cooperative and refused give me the others supervisors name that took the payment. To this day there is still a balance on my credit card that I've tried to pay multiple times. My credit card balance is reporting 99 % and this situation has dropped my sisters credit score by 40 points. I've had this account for 11 years never late. I'm furious and this is unacceptable. 

Eventually i was given the supervisor 's agent ID # XXXX I really needed that payment to post before my cycle date ( XX/XX/XXXX ) for credit purposes. This situation has delayed my personal and business endeavors tremendously and again, I'm very dissatisfied and this is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
I have a mortgage with Freedom Mortgage Company. I have an escrow account that should pay my property taxes. They were due in XX/XX/XXXX of last year. As of today they have not been paid and the county I live in is threatening me with legal action.

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 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I would like to request for XXXX to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from XXXX XXXX. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. XXXX XXXX XXXX, It XXXX illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, XXXX XXXX   of XXXX has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX  XXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX Florida, XXXX XXXX, and XXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank closed my onlinebanking. my debit card and is in process of closing my checking.They have my account restricted to non-withdrawl of funds saying they will mail me a check in ten days.No prior notice. yet they are still allowing funds in but none out. I switched my direct deposits to another bankThey will not give me a reason just that the contract I signed gives them the right to do so.This all started on XX/XX/2018 pst about XXXX.Still can't get them to let me close it, get any funds or check my balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Yes I have 2credit cards with capital one Bank. I told them I lost mom going thru a hardship. With bills and things. Told them if I could least skip a month payments. Would not accept. I won't be able too pay anything on this months 2payments. Hard too work with them. They have no idea what it's like too lose a parent. Sadd. Also was a XXXX  too my mom for5years. They have no idea what it's like being XXXX with no help from my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
For some reason my XXXX XXXX XXXX and my XXXX cards thats in good standings is not reporting on my report my husband added me on to his account and Experience, XXXX and XXXX XXXX is not reporting both cards

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 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: NH

Complaint narrative:
Calls started on XX/XX/XXXX. I stated that I did not want to be contacted. This is a utility bill that was placed in my name by a family member in XX/XX/XXXX. I have stated multiple times that I can not pay it and I can not file charges against my family member. They left the property in XX/XX/XXXX but, they never cancelled services and the landlord did not change it until XX/XX/XXXX. I tried to dispute this with the original debtor and they refused to work with me and stated that I would just have to deal with it. This new debt collections company has begun calling me again and demanding payment. I asked the first gentleman to stop calling me and hung up. Ever since, I have received missed calls on both my work cell phone and my personal cell phone. I have answered and received dead noise or another person on the line. I have again repeated and asked them to stop contacting me. I have since emailed them with copies of the missed calls as well as my call records and asked them to stop contacting me. They have never sent me anything in the mail. They have never confirmed any debts and have been unable to provide me with any sort of break down of the charges. Only continue to tell me that I am responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief