vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES
State: OK

Complaint narrative:
While preparing for pre-mobilization to XXXX I was alerted that my student loans were passed due. I contacted Great Lakes on XX/XX/XXXX and informed them that I was leaving for XXXX in a week and that I needed to defer my student loan payments. I was told that I needed to mail a hard copy of my military orders to a XXXX XXXX along with my account number in order to defer my payments and it would be of no issue. I mailed a copy of my orders once I hit XXXX and assumed all was fine. I received no other communications regarding the issue after my original conversation. Upon checking my credit score I noticed my student loans had gone into default and were sent to a collection agency. I tried making contact with Great Lakes and the referred me to XXXX Consumer Services. The latter did not have any information for me and informed me on XX/XX/XXXX that my account had been forwarded to XXXX XXXX XXXX, XXXX. I have not been able to get any information on how to remedy my student loans being defaulted while I am receiving hostile fire pay since I am XXXX in XXXX and I know that I am protected under USSERA to avoid these things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: NC

Complaint narrative:
I have provided Experian proof of a student loan that was paid off. I have also provided CFPB with the same documents. My student loan debt, in the amount of {$68000.00}, has been paid off to XXXX XXXX XXXX and I have documents to prove it. Experian refuses to actually call XXXXXXXX XXXX XXXX to verify and correct this issue. Experian is very rude when you try to call them to get this resolved. I need someone to help me get this resolved so this {$68000.00} debt can get off of my credit report. XXXX  and XXXX   have this loan paid off correctly, but for some reason Experian can't get their act together even when documentation has been provided. PLEASE HELP ME!

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 2018-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My mortgage with chase bank originated XX/XX/XXXX, with chase bank accepting processing my monthly mortgage payment from chase bank account for XX/XX/XXXX through XX/XX/XXXX successfully.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX I received a letter from the U.S. of America Federal Trade Commission : Notice of Lawsuit against Ameritech, for Deceptive Practices of my government Student Loan that started XX/XX/XXXX, of {$150.00} plus until 6 months later reduced to {$99.00} per month and presently paying for the Student Loan Forgiveness Program. Before Ameritech I was with XXXX,XX/XX/XXXX under the same Student Loan Forgiveness Program with higher payments starting sometime in XX/XX/XXXX after graduating from XXXX XXXX University, XXXX, CA, combine XXXX XXXX XXXX loan, of XX/XX/XXXX under the same program. I made numerous attempts on XX/XX/XXXX to contact Ameritech, the answering is activated and disconnecte after 3 minutes on the line waiting to speak with someone about cancelling my membership and reimbursement for 2 plus of withdrawn from my account confirming on numerous occasions that my payments were we're going towards my Student Loans. My connection with Ameritech was with XXXX. Now this raises question with deception from XXXX. I am willing to be a part of a class action lawsuit

Company response to consumer: Untimely response
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Disputed with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account BANK OF AMERICA in the amount of {$3500.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail XXXX  is not responding to my correspondence.

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 2018-07-03 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: AR

Complaint narrative:
I mailed payments by 2-day priority and it arrived in time. I was reported late because someone didn't apply my payment for several days after they received it and I was reported late. I am being reported late in XX/XX/XXXX because the post office made an error by putting the wrong letter in my 2-day priority payment. I tried to explain what happen, but I am being reported late again. This is not my fault, but they won't listen.

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 2018-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
So far, they keep calling me without any answer, when you call back it goes to XXXX XXXX saying i owe them money **secure** ( i have 2 credit cards and neither are in financial trouble and are well maintained and as far as im aware my idenity is still secure. ) **secure** The person on the phone then says they need my address, im not giving my address to them i respond, they say ok, place of employment, again not giving that out, ok then you NEED to give us your social security number or were going to call the police and bring you to court on counts of fraud. I took their bluff and said your violation a government agreement, he simply started yelling that with your outstanding debts your rights are going to be revoked if i do not get this information. I promptly hung up after the conversation and im still not arrested, so far they called me twice.

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 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Disputed with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from EQUIFAX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account XXXX/XXXX in the amount of {$330.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail EQUIFAX is not responding to my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of my credit report. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to all 3 credit bureaus all the other bureaus remove the negative accounts but to my surprise Experian responded stating that after the investigation they have found that I was responsible and the accounts belong to me. That's it no evidence or proof of their investigation

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 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: OH

Complaint narrative:
When I had first received notice in late XXXX from ProCollect, I had sent ProCollect and XXXX  XXXX XXXX proof that I had paid rent, proof that the carpet didn't need to be replaced, proof that the kitchen didn't need to be cleaned. They had also rented the unit out in XXXX, the same month they are trying to collect past due rent from me. In XXXX, XXXX responded back to my complaint, saying I still owe the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: GA

Complaint narrative:
CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$83.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX XXXX # : XXXX AMOUNT : {$400.00} CREDITOR : XXXX XXXX XXXX # : XXXX AMOUNT : {$2200.00} XXXX XXXX  # : XXXX Amount : {$2200.00} CREDITOR : XXXX XXXX XXXX  # : XXXX AMOUNT : {$420.00} CREDITOR : XXXX XXXX XXXX # : XXXX AMOUNT : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Disputed with the XXXX  XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account BANK OF AMERICA in the amount of {$3500.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail XXXXis not responding to my correspondence.

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 2018-07-03 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: United Consumer Finance, Inc.
State: PA

Complaint narrative:
United Consumer Finance is inaccurately reporting an alledged debt in the amount of XXXX on my Experian credit report that is inaccurate and injurious to my credit rating and overall l financial status. I have sent United Consumer Finance a validation notice under The Fair Debt Collection Practices Act Section XXXX via certified mail return receipt requested on XX/XX/2018 Article # XXXX XXXX XXXX XXXX XXXX. 
I disputed with credit bureau ( s ) and it was illegally verified by United Consumer Finance. 
The alledged truncated account number reporting on XXXX   credit report is XXXX want this inaccurate, injurious, erroneous information removed immediately from my XXXX credit report. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: AZ

Complaint narrative:
A collection Agency called XXXX XXXX is reporting an account to all three credit bureaus as open in XXXX. I have disputed this several times in the past few years that the account is not mine and no one has sent any proof of the account. My credit file a few years ago showed this account as closed in XXXX, yet now XXXX XXXX has changed from closed to open, more than once causing my credit score to drop 25 or more points. The credit reporting agencies are not doing anything but accepting the word of the collection agency without any proof of this account being opened by me and the collection agency XXXX XXXX refuses to report it was closed by XXXX XXXX in XXXX the credit reporting agencies Transunion , XXXX and XXXX , are only stating on my file that the dispute was resolved but consumer disagrees. 

This is very wrong!

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 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Disputed with the XXXX XXXX XXXX  XXXX, XXXX, TX XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account CAPITALONE in the amount of {$3000.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail XXXX is not responding to my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi accounts have been Frozen for days now. 

I have been a loyal Citibank client for my business and personal accounts for about 30 years. 
A few weeks back I received a call from XXXX ( id # XXXX ) from CitiBank profile dept. I was kind in answering but did not feel comfortable, as I mentioned to him, in providing personal info to someone claiming to be from Citi calling me. 
I questioned the need for an updated profile as within the last six months or so I went under a microscope in order to qualify for a line of credit with CitiBank. There is nothing left that Citi does not know about my wife and I. I felt that the call was possibly a scam and left it at that. 
On XX/XX/XXXX or XX/XX/XXXX CitiBank froze all my accounts.I subsequently after hours on the phone, updated the info for the Wealth Managment dept.and provided the info -profile as requested in order to hasten the release of my funds. XXXX mentioned it would take several days, probably after the XX/XX/XXXX holiday, to wind its way thru the various departments to clear the hold on my accounts. The update was to verify my address and best phone number, income info, net worth, that CitiBank already has on file. They wanted private information not relative to my checking accounts. 
I discovered this freeze when I opened my email and found two automatic bill payments were rejected due my accounts being Frozen. I have no access to my funds or information on my accounts. It seems that the Wealth Management Dept. was the source of my troubles and caused me to lose access to all my Citi accounts, which have absolutely nothing to do with Wealth Management. I spent in excess of 6 hours trying to clear up this unnecessary mess, to no avail in defrosting my accounts. I received tremendous support for my local branch managers without results. XXXX XXXX, a case resolver, opened up a case but no immediate results nor from a chain of others, all pleasant but powerless. My automatic payments and checks are bouncing. 
I would appreciate an immediate stop to the freeze on my accounts and contact from a Senior Executive from Citi to  salvage my so called Dedicated Relationship, which for years was Citigold. Great way to treat longtime clients. 
My understanding as I was told by a Citi employee, is that 21,000 others have been affected in the same manner by CitiBank. 
just rolled out this great plan a week 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 2018-07-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
Spring 2017, i was attending XXXX  XXXX XXXX downtown and i had to get out of school fast my son took deadly sick and later on passed, so i wasnt able to think about handling nothing dealing with school at the moment, so i appeal my decision and they approve it meaning that everything that happened on my record is reversed so i been trying to talk to conserve about this and they have had some very mean people to answer the phone about this so this is my only option to have this removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My identity was stolen. I found out when I received a credit report when applying for an apartment. I spoke to XXXX on XX/XX/2018 at approximately XXXX pm. I requested the letter as I was advised by the FTC detailing that : 1. the fraudulent account was not mine. 2. I am not liable for the account. 3. That the account was removed from my credit report. 

XXXX from CapitalOne told me that the account has been closed due to fraud and that I would be receiving the above requested letter in a few days. 

Today, on XX/XX/2018 at approximately XXXX XXXX I contacted CapitalOne as I still did not receive any correspondence from CapitalOne as promised. I contacted CapitalOne and informed them of the situation. XXXX told me that they were notifying the credit bureau but I could not get the letter as promised unless I provided a copy of my social security card and my driver 's license. I told them I was uncomfortable with that as my identity was stolen and could provide them with any information they wanted. They refused to help me. 

The basis of this complaint is that the company told me incorrect information during a sensitive time on XX/XX/2018, did not follow up with me, and when I called again they said the complete opposite of what they said during my initial call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Home Loan Center, Inc.
State: AR

Complaint narrative:
on XX/XX/XXXX i recieved a loan agreement letter from XXXX XXXX of lending tree ... .after several days i was called saying since i didnt have online banking i would have to send {$200.00} on itune giftcards. which i did ... i was then told i would have to send {$250.00} more. i asked to be reimbursed for the {$200.00} i had sent and was told no. 
during the time i been trying to file this i have been called 17 times from the number XXXX being harrassed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have multiple accounts with SYNCHRONY BANK. 

I am attempting to change the due date/statement date on all of my accounts so that they are all on the same statement cycle date. This makes paying the cards much easier and more convenient. I have tried doing this by contacting customer service and I am transferred to someone in another country that has a strong language barrier which is preventing me from being able to effectively communicate with the bank. 

In addition to the problems above I am continuing to have an issue with my XXXX charge account. I previously issue a complaint because I opened this card and have not been able to use it. I have attempted to contact XXXX numerous times about this and have not found any success in doing do. XXXX continues to hold an authorization charge on my XXXX charge account even though they have banned me from their site and have told me that in no uncertain terms I will never be able to use the card. This was over a month ago and the authorization charge has still not been released. 

I have attached a copy of my photo ID to this complaint for verification purposes.

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