vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was overcharged by {$100.00} at XXXX XXXX XXXX on XX/XX/XXXX. I had been charged the annual fee for the card on XX/XX/XXXX. I did not want to pay the annual fee and intended to close the card, but could not because if/when the XXXX charge was reversed, the payment could not be paid to a closed card. I called to explain this to Citi Cards and they said that a card could not be closed that had an outstanding balance on it. By XXXX I had resolved the issue with XXXX and paid our outstanding balance to Citi. On XX/XX/XXXX, I called to called Citi to cancel the card and was told the annual fee would be prorated, and the late fees and interest fees that had accrued would stand. When I asked to speak to a manager, I was told one was not available but I would receive a call back. Upon being called back, I was told that no Citi employee would ever inform me that I could not close an account with an outstanding balance, and not only would the late fees and interest be charge, but the annual fee would be charged in full and not prorated at all.

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 2019-10-14 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: MN

Complaint narrative:
Dear CFPB I would like to bring to your attention that transunion credit reporting agency are you conducting proper investigation! I recently asked them to conduct an investigation on inaccuracies on my credit report they sent me noticed via US mail stating that the account was verified and reporting correctly. So I reviewed my credit report I noticed that XXXX XXXX account was updated back in XXXX. My question is how could they verify a tradeline dated for XX/XX/2019. And the status update shows XX/XX/2019? This proves that their was no investigation conducted on transunion behave.see attached credit report. The FCRA clearly states that all consumers disputes must be 100 % investigated. In this case transunion has violated the FCRA as you can see factual base proof that they didnt investigate XXXX XXXX account and I would like for this account to be deleted immediately ( cfpb look at the status update still showing XXXX of 2019 lets keep in mind the credit report is dated XX/XX/2019 but yet in their comment the account has been verified. Nothing was done on transunion behalf clearly breaking the law! 
PLEASE DELETE THIS FROM MY CREDIT FILE DUE TO FAILURE TO CONDUCT A PROPER INVESTIGATION Sent from my 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 2019-10-14 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:
I filed bankruptcy back in XXXX, it was closed in XXXX. It is now off of my report. The bankruptcy I filed was Chapter XXXX and my mortgage and car were paid outside of the bankruptcy and to not be included. I paid both of those accounts on my one and was never late. I had to dispute XXXX XXXX XXXX which was my car loan because even though I paid always on time and paid it completely off they were reporting it closed -- bankruptcy. My mortgage in the amount of {$34000.00} was showing the same thing. I have filed disputes on and off since XXXX and have not gotten any resolve. My mortgage company XXXX XXXX  XXXX XXXX XXXX says they have never reported my mortgage in bankruptcy nor have they reported any derogatory marks against it. They are also saying they have not reported it closed. I have had to contact Trans Union several times about the account showing closed. Just recently after filing the dispute they added remarks to the account " Closed-Derogatory, '' and put reaffirmation of debt at the bottom. I called Trans Union and they told me it was not derogatory but XXXX is reporting it closed. I was told XXXX just sent them information on XX/XX/XXXX about the account and did not report it open. It doesn't make sense that I have been paying this mortgage since XXXX on time every month for it to report closed and derogatory when XXXX is not reporting it that way. Everytime I call Trans Union they tell me to call XXXX however, XXXX says they are not reporting my mortgage closed nor are they reporting it negatively. My credit score just recently dropped XXXX points thanks to the remarks added to my mortage on their report. Please help me get this issue corrected. It is so frustrating and not fair. If I pay my debt on time I should not receive negative remarks on my credit score.

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 2019-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX of 2018 {$200.00} was taken from my checking account at an ATM in XXXX New Jersey. At the time I was at home in XXXX XXXX NJ. I had my ATM card on my person and did not give either the card, or the PIN number to anyone else. I noticed the activity and contacted Citibank 's Fraud department. Citibank credited my account but ultimately took the funds out again after an investigation. I was given no details on the investigation and only told that they determined it was not fraud since the thief was able to use an ATM. I am not sure why citibank came to this conclusion.

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 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed inaccurate information on my credit report. 

A Bankruptcy came back verified stating the source as XXXX XXXX. 

I received a report from XXXX XXXX and there is not Bankruptcy listed by XXXX XXXX. 

I see that this is an obvious violation of my rights and demand the bankruptcy be removed from my report.

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 2019-10-14 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: MS

Complaint narrative:
XXXX XXXX XXXX shows that an account was opened under my name on XX/XX/2018. I have never had an account with XXXX XXXX XXXX. I have disputed this on my credit reports. The company shows the account closed as a charged off account but they still show the reported balance being {$290.00}. They have remarks showing the account was previously in dispute - now resolved by data furnisher but I need them to show the reported balance XXXX. I have notified the company asking them to do this but they say there is nothing they can do. This {$290.00} on my credit bureau reports is keeping me from getting prequalified to purchase a house. I need this off my credit report as soon as possible because it does not belong to 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 2019-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zeller & Associates, LLC
State: WI

Complaint narrative:
Company called Zelzer, Patrick and associates shows up at my Apartment all hours! They constantly ring the door bell annoying my neighbors in the building. 
Phone # XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-14 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: PNC Bank N.A.
State: NJ

Complaint narrative:
My wife and I sent a letter to the mortgage company ( PNC Mortgage ) dated on XX/XX/XXXX, sent via United States Priority Mail asking the mortgage company to correct the problem. We received a letter dated on XX/XX/XXXX, stating that we were still obligated to the loan. 
My wife and I were not borrowers in the loan modification that was filed in XXXX, but my son was the only borrower on the loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My mortgage was transferred to NewRez Shellpoint in XX/XX/XXXX/XX/XX/XXXX. I made the XX/XX/XXXX and XX/XX/XXXX payments on time via electronic payment. I set up a recurring payment starting in the month of XX/XX/XXXX. When money was not drafted from my bank account, I checked the NewRez/Shellpoint website and the recurring payment had not worked. I paid the mortgage immediately. I was charge an {$85.00} late fee. I never agreed to any terms that I'm aware of regarding the late fee and did not pick NewRez/Shellpoint as my mortgage servicing company.

I tried to set up the recurring payment again in XX/XX/XXXX, but wasn't able to ( this time I believe because of the late fee that was on the account ), so paid the XX/XX/XXXX balance on time. I called in on 2 separate occasions to dispute the late fee charge and was told a complaint would be submitted and that they would reach out to me with the results via phone or email. They did not contact me. Upon calling in, I asked to speak to a manager and was told one wasn't available, but that the fee would not be reversed. Upon my 3rd or 4th time calling in, I was able to speak to a manager who accused me of lying, that the charge would not be reversed, and that I could submit a complaint via email, but when I asked who that email would be sent to, it was clear it would be sent to the manager I was speaking to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: UT

Complaint narrative:
Experian received a dispute by certified mail with return receipt XXXX sent me correspondence that they are not honoring my dispute which is against the law.

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 2019-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I have been through an extremely difficult closing process with Quicken Loans Inc. NMLS XXXX XXXX and have had issues with my servicer of previous loan XXXX XXXX NMLS # XXXX. First they took over 6 months to process the loan. I understand that refinance volume is up but over 6 months is way to long. We eventually get to closing, and the first time we schedule closing my name is mispelled on the loan application. 

You would think that the underwriter would see that the loan application has my name incorrectly spelled since they had all of my income verification documents in file. I am guessing the underwriters at Quicken do not review anything. That is a concern. 

So the first closing was scheduled for XX/XX/XXXX with the incorrect name. We rescheduled the closing for the next day at a large inconvenience to my family. 

We planned to go out of the country on XX/XX/XXXX and the loan was expected to fund earlier in the week. The loan did not fund because something was signed incorrectly. I was not called or informed about this issue until I had to call in and figure out why the funds did not disburse. Once I stayed on hold for 1 hour I finally found out what the issue was. I had to speak with a few different people to figure this out. Mind you I was traveling out of the country that day. The stress of this situation was unfair to my family and people I was traveling with. 

Loan Disbursed XX/XX/XXXX, and I figured everything would be fine. I set up my automatic payment with Quicken and I thought that was it. 

On XX/XX/XXXX my wife the co borrrower gets an email saying XXXX has marked us 30 days late. So I call XXXX and they say they have no received the full funds to clear this loan of their books. 

After an hour and half hold the customer service agent at XXXX tells me that they never reached out about this. I call XXXX ( Quickens partner Title Company ) and they pass blame on Quicken and say " it is up to the lender to call me and let me know. '' They were not the title company I chose that was the title company they pushed on me from application. They told me on the phone that they tried calling me on XX/XX/XXXX to fix the shortage issue. 

I never recived a voicemail or a call. The pressing issue is that my credit and my wife 's credit is damaged because these companies did an awful job of communicating and if it was not for me calling each company I would have continued to be late. 

I do not think it is right that my loan is marked 30 days late when it was Quickens responsibility to pay off the mortgage with XXXX and when it didn't go through. 

The issue is due to a lack of communication inside of Quicken. The shortage in funds needed to pay of XXXX came from a incorrect escrow analysis. 

The funds for the closing of this loan were never sent back to Quicken from XXXX. They were notified on XX/XX/XXXX but no one wanted to call me to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT IS A PAID ACCOUNT THAT HAS BEEN SETTLED IN FULL, THE ACCOUNT WAS PREVIOUSLY REMOVED OFF THE CREDIT AND IT IS NOW A CLOSED ACCOUNT, AND I WOULD LIKE THIS ACCOUNT TO BE REMOVED OFF MY CREDIT FOR IT HAS AFFECTED MY CREDIT TREMENDOUSLY.

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 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed inaccurate information on my credit report. 

A Bankruptcy came back verified stating the source as XXXX XXXX. 

I received a report from XXXX XXXX and there is not Bankruptcy listed by XXXX XXXX. 

I see that this is an obvious violation of my rights and demand the bankruptcy be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed inaccurate information on my credit report. 

A Bankruptcy came back verified stating the source as XXXX XXXX. 

I received a report from XXXX XXXX and there is not Bankruptcy listed by XXXX XXXX. 

I see that this is an obvious violation of my rights and demand the bankruptcy be removed from my report.

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 2019-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Sallie Mae is not willing to work with me and lower my payments. During the call last week I was told they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.

Complaint narrative:
After struggling to make payments a guy says he wants to buy it comes and trys it says he going to buy it and was going to meet his wife and get the money never see the guy again Ive reported to one main financial as well as the police department if I new you could do this stuff I wouldnt have went without food trying to pay a debt back but yet Im being punished when all I would like to do is buy a home before my mother passes away is our system really like that sad very sad

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I got a collection on my credit file from Capital Accounts LLC I don't owe this agency any money nor do I owe any veterinary hospital. 
I contacted them via mail requesting they validate this account. I have not received anything from them. Yet they continue to report this error on my credit

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
On Friday XX/XX/2019 I received a call from Loan Me trying to get in contact with me through my employer. The representative lied to my Human Resources manager and said they need to verify my employment in order to get transferred over to my line. Once I accepted the call the representative asked me to verify my full name address date of birth and last four digits of my social security number over the phone while I was at work and I am not allowed to take personal calls over the phone. She then started to harass me to pay my personal loan because they lowered the payment and when can I make the payment. I explained to her I am at work and can not speak to her about any loan matters but insisted on trying to collect payment. This company calls me over 20 times a day to speak to me regarding a loan I can not pay for due to financial emergencies Ive had to take care of and ultimately cant afford to pay this loan anymore. I called to speak to a manager to see if theres any other option to pay what I can afford but every time I call they hang up or the wait is over 30 minutes and I am at work. I think this business is unfair and they do not have a right to harass me and my place of employment over something I cant afford to pay for. I am seeking to either file bankruptcy in the near future because Im sick of being harassed by this company. Ive reached out to this company and they have a poor lack of communication. Now I received an email trying to harass me to garnish my wages when I clearly stated I can not afford this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: FL

Complaint narrative:
I made arrangements to pay XXXX XXXX {$1500.00} to settle my debt intermittently they sold the charged off the account the next day. I paid their collection agency {$1500.00} to update. They sent me a letter saying that this would satisfy my loan and it would be listed as paid and not charged off. However after 10 attempts it is still showing as a charge off with a {$0.00} balance. That is the same as it reflected prior to the payment or dispute. If a creditor does not have to update your credit file to accurate information why would consumers pay their debts off? This is hendering me from getting utilities and a home for my kids. Please help me. 

I am also having the same issue with XXXX XXXX whom I paid in full even though the judge ordered my ex husband to pay and XXXX  continues to allow them to report this as 60 days late when it is indeed paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are numerous hard inquiries from XXXX. They are on all 3 of the  credit reporting agencies about me. I went into XXXX XXXX with a pre-approved loan in-hand. I never authorized/signed any loan application while I was there. I see 9+ inquiries on my report that I never authorized, including one directly from the car dealership itself. I'd like to get these hard inquiries removed. XX/XX/2017.

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