vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-02 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: NY

Complaint narrative:
I sent letters to the 3 credit bureaus ( XXXX, Transunion, & XXXX ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account. 

Letter 1, 2, 3 & 4 was certified mailed to XXXX, Transunion & XXXX respectively on XX/XX/2018 ( letters 1 ). 

XXXX : XX/XX/18, XXXX : XX/XX/18, Transunion : XX/XX/18 ( letters 2 ). 

XXXX : XX/XX/18, Transunion : XX/XX/18 & XXXX : XX/XX/18 XXXX letters XXXX ). 

XXXX : XX/XX/18, Transunion XX/XX/18, XXXX XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for Transunion, XXXX, and XXXX to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX XXXX. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. XXXX also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Transunion : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.

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 2019-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I tried to close my account with XXXX XXXX. I thought it was closed. Now they sent me another credit card. It takes 7 hours to contact anyone there. I am busy at work. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I have a had a mortgage with XXXX XXXX since XX/XX/XXXX. I recently received a notice of servicing transfer, from XXXX XXXX to Shellpoint Mortgage Servicing, effective XX/XX/XXXX. Mid XX/XX/XXXX, I started receiving harassing phone calls, mail and certified mail from Shellpoint Mortgage Servicing, claiming that my mortgage was delinquent and that they were taking action. I called XXXX XXXX and told them that Shellpoint had sent me a letter and had been calling me and they confirmed that my mortgage had not transferred and would not transfer until XX/XX/XXXX. I tried to call the Shellpoint phone number on the transfer notice, but it required the caller to answer marketing questions ( there was no option to talk to a person unless you went through a marketing survey ), so I hung up. Each time Shellpoint called me, they asked for personal information, which I refused to give to them. The representatives were extremely rude, when I explained to them that I had talked to XXXX XXXX and that my mortgage had not transferred and was current with XXXX, they harassed me and tried to get me to provide them personal information. I asked them to stop calling me and they refused, they said that I needed to send the a cease request in writing by mail and that they would keep calling me until I did that. I also asked them to not use my mobile number for robo calls ( they asked me if it was okay and I said no ) but they continued. One rep said that this was how they made their calls. I am concerned ( 1 ) because they continiuosly call me and harass me on my work mobile phone and wont stop, ( 2 ) they may be reporting negative credit on my credit report and ( 3 ) that XX/XX/XXXX I will be forced to do business with such a company. Both companies say the other company is incorrect, XXXX XXXX was supposed to be investigating but I have not heard anything back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Terrill Outsourcing Group
State: PA

Complaint narrative:
XXXX XXXX was paid in XX/XX/2011 through a XXXX debt consolidation company located at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. XXXX settled during a 3 way phone call between myself, the debt consolidation agency and a XXXX   representative for hald of the {$1400.00} owed. Since that time, there have been 2 different debt collection agencies, who have tried to collect on this. Most recently XXXX XXXX XXXX , XXXX tried to collect via XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX-XXXX. I am tired of being contacted, every few years, by some random collection agency attempting to collect on a debt that XXXX accepted a settlement to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: EdFinancial Services
State: AL

Complaint narrative:
I have a loan with EDFINANCIAL SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and EDFINANCIAL SERVICES with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am a victim of Hurricane Michael, living directly in a federally declared natural disaster zone and XXXX XXXX has stolen what little financial dignity I had remaining. During the storm and as an unfortunate result of it's aftermath, I have been unable to use the simple technology to effectively manage things such as automatic bill payments and their cancellations due to rolling service outages, infrastructure problems, and other more pressing events beyond my control such as the safety of my loved ones. Even today as I write you regarding this I am still without reliable service at this point hence the continued delay in reporting this and other problems consequential of the most recent events. Nevertheless, although the funds were available to shortly after to cover the funds, the mounting fees made it impossible to ever catch up. To add insult to injury during this already difficult time, I received a email on my birthday nonetheless, that XXXX XXXX is closing my credit card accounts after five years of  my loyalty their brand and an impeccable payment history. It's almost as if they are intentionally taunting me during a time when it would seems as if they would be willing to help their loyal customers who have perfect histories with them.

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 2019-01-02 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: NC

Complaint narrative:
Capital one XXXX rewards card Paid bill XX/XX/XXXX. Scheduled payment three weeks ( approx ) ahead of time time via phone app AND phone call. 

Payment processed by midnight on phone app, phone call, and bank website thus credit was restored. Payment was processed for XXXX and XXXX. 

Used credit card during weekend for a holiday trip and twice or thrice during the week. Attempted to use credit card for XXXX XXXX XXXX, declined. 

Payment was actually returned ( but no money credited to either debit or credit account, thus robbed ), with a higher debt rating than previously before the payment ( thus robbed again ). 

Payment also due again for XXXX and XXXX thus robbed a third time, feeling extremely swindled and cheated despite being a loyal customer either a consistent track record of complying with creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: DE

Complaint narrative:
Experian will not help me during disputing FALSE information on my credit report. I am registered with XXXX XXXX XXXX XXXX, a credit counseling company for the last 3-4 years. I pay on time every month, yet on my credit report these 7 accounts show as closed / charged off / and no current pymts for last few years. I am being denied mortgage refinance and car loan because of these False lies. Can you help me!!! Experian has no working telephone number that lets you reach a live customer service rep. I don't think its fair they can put false info, avoid reporting I pay on time every month for last several year on my report ans show. One example of the 7 accounts is below so you can see all 7 are  the same with different accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account was in dispute-now resolved-reported by subscriber Charge-off Balance {$0.00}

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 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had fraud on my account for XXXX with chase I call in to advise them that I did not do that charge they adv that they cancel my card which they didnt I had to call back in which they adv that the rep forgot to cancel ... this was from XX/XX/XXXX they reverse gave me a credit then today XX/XX/19 they reverse back credit stating that after investigation it was not fraud bc I have used that atm before and my PIN number was enter without any issues ... I try calling chase to adv them that Im having issues with my roommates which I adv before when they had ask me if I could think of anyone that may have access to my card I cant point finger who may have steal my card and used it ... they are telling me bc my PIN number was in my purse by chase law it states that I should not write down my PIN number ... this is unacceptable and I feel like Im not being protected by my bank ... I have the same Issues with my other bank and my credit card which investigates it was fraud and credit me my acct but chase is telling me foolery ... and I need my account to be credited bc now I feel like Im not protected by fraud with my bank ... .this is the 2nd issue Im having since I got this account with chase ... now my account is overdraft in a negative balance no letters nothing from chase telling me the status of my claim just a reversal in my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: AL

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 120 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
To whom it may concern, On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX ( who took over the XXXX XXXX   XXXX XXXX I originally had my loan with ). As per the service specialist rep I spoke with, I made two separate payments XXXX & XXXX, respectively. On XX/XX/XXXX, I received a check from XXXX foe over payment of XXXX, which I promptly deposited into my bank. When XXXX XXXX took over from XXXX I started receiving bills again claiming I still owe money. I tried to contact them but they did not really look into it they just called to let me know I owe the money even after I explained. I tried to contact XXXX and/or XXXX but they are no longer in business. 
I am attaching a photo of the slip that was attached to the check and the cancelled check from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I signed up for XXXX credit in-store, made purchases but was never sent a bill. I sent written correspondence to Citi including a copy of the day pass through trackable priority mail to obtain a bill and request I be contacted through US mail. 
When I received my first bill it had an additional {$210.00} in fees and interest. No acknowledgement of my correspondence. 
I called Citi on XX/XX/XXXX and was told by agent XXXX that I could pay the amount of original purchase, {$210.00}, and another department would investigate the issue and get back to me but it could take some time. I trusted this agent and paid this amount while on the phone. 
On XX/XX/XXXX I received my second bill with a due date of XX/XX/XXXX ; again, no communication about my issue and this bill including additional fees and interest, and it was late on arrival.

Citi has ignored my correspondence, purposefully did not reply via US mail as requested and knowingly told a falsehood on the one phone call to intensify their late fee amounts. All verifiable. Citi has still not sent the physical card.

Citi has damaged my credit. 
I sent a {$270.00} check to settle this account including any new fabricated charges, fees or interest has been sent to XXXX in XXXX KY lockbox/processing center with proper form and a copy of this letter. This created a credit balance of about {$11.00}, although the last bill they sent does not include this payment. 
Through certified mail I directed Citi to immediately close all accounts related to me, XXXX XXXX They refuse close my accounts, and insist if I do not call them I will incur an additional {$250.00} fee.

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 2019-01-02 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:
On XX/XX/2018 I scheduled an online payment for XX/XX/2018 using Capital One 's online payment website. I received an email on XX/XX/2018 that my payment of {$7000.00} had posted. My XX/XX/XXXX and XX/XX/XXXX statements showed the payment applied to my account. 

On XX/XX/XXXX Capital One reapplied the {$7000.00} charges back onto my account with no notification. I found the problem and called Capital One several times in order to get an explanation and to seek a solution. Each time I called I was given a different reason for the charges. Twice we connected with my checking account bank to verify that I did not have the money returned. 

My XX/XX/XXXX statement includes interest in excess of {$200.00} but I never carry a balance so as to avoid interest charges. 

My checking account bank has provided me with a letter with the transaction ID of the payment and I have provided that information to Capital One as well as copies of the emails and payment history taken from Capital One 's website showing payment and confirmation number. 

On XX/XX/2018 I requested that Capital One investigate the error and I was told that they had 10 business days to reply and that the replay would be in the form of a letter.On XX/XX/2018 I called XXXX XXXX for an update and I was told that they hadn't started working on the issue and they would need an additional 10 business  days. 

Capital One 's inaction has resulted in a 59 point decrease in my credit score which before this issue was XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX an unauthorized transaction occurred on my Paypal account, I notified the original company and they refunded my payment. 
I also cancelled any authorizations through Paypal and my bank. 
On XX/XX/XXXX, Paypal emailed me and stated although the transfer failed from my bank, they used my paypal balance. 
I was unable to determine if I had a balance at that time, their activity didn't align with the facts and their system refused to allow me to open an investigation. 
I replied to the email and they responded that they don't monitor it and refused to provide any other method to contact them. 
I had to XXXX the number and I was told to just disregard the email, their IT department refuses to fix incorrect information being sent to customers. 
Paypal alleges it sent false notification of an XXXX violation and nonchalantly asked that I ignore the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I paid this debt off in XX/XX/XXXX and was advised by someone in the compliance department that it would be removed off my credit. Just recently I was informed that this debt is not only still reporting on my credit it's still showing opened. The agreement was that if I paid the debit that they would have it removed, all of this was stated on a recorded line. Today, XX/XX/XXXX I called and got an representative by the name of XXXX whom refused to give me her agent id and transfer me to compliance after asking multiple times she then transferred me to escalations where I spoke with an rude representative by the name of XXXX. She also refused to send me over to compliance and stated that she would contact them for me. She came back on the line and stated that they stated that the item wouldn't be removed, which isn't true. This company took my money under false pretenses while giving false information. I will be contacting an attorney to have my money refunded back to me and have this item deleted as promised. I will be reaching out to the media about this company, and will continue to file complaints against this company with the CFPB and XXXX until this matter is rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Good morning, Like every month ; I logged in to my mortgage account online on XX/XX/XXXX at around approx. XXXX XXXX to verify if all recurring payments are correct. 

Payments should be set up as : XX/XX/XXXX XX/XX/XXXX No payments were showing, I immediately contacted the mortgage company - but due to XXXX XXXX 's - the company was closed. 

I contacted them today, XX/XX/XXXX at XXXX XXXX to verify why no recurring payments are showing. I was informed that someone logged in to my account and canceled the recurring payment option and in order to become eligible again- I'd have to submit another mortgage payment 30 days in advance ( even though I've submitted this amount back in XXXX to take become eligible ). 
I informed the agent that I did not log in to the account and I'm concerned of security breach. The representative insinuated that my husband maybe the one who canceled the payments. I informed her that it wouldn't make any sense why he would do so? I also asked why no email or letter was sent out to inform me of the cancellation. She was unable to help me out with my concerns or transfer my call to another representative. After many requests to speak to someone else, she informed me that the only other way to speak with someone is if I call again. I've tried reaching out again- but have been on hold for the past XXXX minutes. 

Please advise. 

Best regards

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 2019-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One offered a {$500.00} bonus for depositing at least $ XXXX by XX/XX/XXXX. I met this requirement and they are now refusing to provide the bonus. The exact wording of the offer is as follows and mentions nothing about maintaining a balance of $ XXXX. I met the requirement through cumulative deposits of $ XXXX. Capital One can not change the terms of the agreement after the fact. 

" Open a XXXX XXXX XXXX account and deposit {$50000.00} or more by XX/XX/2018, using promo code XXXX to earn your exclusive {$500.00} bonus. ''

Company response to consumer: Closed with explanation