vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint explaining that Transunion is unfairly listing an account on my Credit report as included in Bankruptcy, after submitting proof that my bankruptcy is over 10 years ago and proof that XXXX has this account as settled or paid for less than the full balance, Transunion decided to make a change to my account on XX/XX/XXXX and change the paid status to account paid in full or charge off and remove any negative remarks. Unfortunately, Transunion decided to break the law under the fair credit reporting act on XX/XX/XXXX and changed or updated the account in the investigation back to Paid status UNKNOWN and Remarks Chapter XXXX Dispute of account information- This is a negative remark which is affecting me personally. The XXXX account is XXXX and was opened on XX/XX/XXXX, my Bankruptcy was filed in XX/XX/XXXX and discharged on  XX/XX/XXXX. I am resubmitting all documents and I hope Transunion will take immediate corrective action. If I do not see any corrections to my credit reports I will file a lawsuit against Transunion for failing to do an effective investigation and report accurate 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 non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
In XX/XX/2020, M & T Bank was complicit in fraudulent transactions based on forged unauthorized withdrawals from my checking account. Two of my checks were stolen from the U.S. Postal Service mail. The amounts and the payee were changed and  and the authorizing signature was forged. The checks were submitted to M & T Bank for withdrawal of funds and M & T Bank released the funds from my account. The signature endorsement on the back of two checks, that was routinely required before M & T Bank processed these transactions, is MISSING. The financial institution involved in this transaction is not visible. M & T Bank representatives can not tell me how these transactions occurred and they can not tell me the name of the other financial institution invovled in these transactions. 

The M & T Bank Affidavit of Forgery Alteration Unauthorized Check Form was submitted to M & T Bank along with a police  report on XX/XX/2020. Two forged M & T Bank checks, totaling {$10000.00} were involved in the transactions. M & T Bank has not restored the funds to my checking account.

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 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi closed my credit card account as of XX/XX/2020. I believe my account had XXXX Thank You points at the time of closure ( per my last bill statement ). Citi is not allowing me to use these points of mine. Per Citi 's letter, it states that the points are immediately forfeited and are unavailable for redemption. I do not understand why they will not let me use the points I earned. All my purchases were legitimate and made by me, and I paid all of my bills on time. I did not do anything illegal.

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 2020-03-14 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: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet has falsely reported me to the credit bureau on financial aid I did not receive. I have sent the documents to them repeatedly. I had a XXXX XXXX, XX/XX/2014 - a few weeks after XXXX closed the doors on us in the middle of taking a test toward graduation and had already received money from the finance department of student loans and Pell Grant. No money was ever given to me. I have attached the documents and emails from that time period. 

This link refers to XXXX lying to XXXX students stating they would transfer the credits and we would graduate on time. A Blatant Lie. They also took money and nothing happened. They didn't transfer the credits and I have emails to prove it. I withdrew from the school and never completed classes based on the consistent lies and not being forthcoming. These folk caused me to have a XXXX XXXX with the scheming and scamming. I was a XXXX student at XXXX and made the XXXX XXXX XXXX repeatedly. I lost hope in the system of furthering my education. Nelnet came in and have also made promises and not delivered. I have not taken these folk money and I don't owe it. 
http : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Called previous and was told it would be fine to change my debt management pay date. All other credits did not report late. Changed due date on a Debt Management for two cards. 13 day difference XXXX XXXX at Capital one submitted for lates to be removed but during that time Capital One reported more lates and has not corrected. The two cards were finally reagged in late 2019. All thats needs to be done is correct the lates on both cards. 

XXXX XXXX left and no one else I have email including the CEO will do the right thing and finish correcting my credit bureaus with lates. 

Its really simple do the right thing. I have never missed a debt management payment and my score is way lower due to Capital one. This is a 5 year plan and I have 4 years to go and have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FCU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In late XX/XX/2020, I noticed that I was no longer able to log into my XXXX XXXX and a pop up indicated that my account was terminated. 

I filed a complaint through DOT requesting for further details as to why my XXXX XXXX account was terminated. 

I received a response from XXXX XXXX on XX/XX/2020 stating that I was involved in 'abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. ' I request that Citibank confirm or deny that during my ongoing credit and banking relationship that I have met the terms of each and every agreement relating to the Citi AAdvantage credit card. Please provide conclusive evidence of such case where I have violated the terms of the agreements made between Citibank and myself as stated by XXXX 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 2020-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was calling to close my capitalone spark visa account. However capital one did not close the account. On XX/XX/XXXX ; capital one charged me with {$95.00} annual fees and did not notify me thru statement nor phone call until now that my credit card was late and charged interest and late fees due to their negligent to close the account. I haven't used this card since XX/XX/XXXX and I always payoff my balance. 
Today, XX/XX/XXXX I called and explain to them that I was recently hospitalized and impacted by this XXXX XXXX, and I just got back home 2 weeks prior and I would like to know why my account was past due. XXXX, the card supervisor explains to me that because I was charge a membership fees on XXXX XXXX for {$95.00} and I didn't pay the membership fees on the card that I closed in XX/XX/XXXX. So not with all the fees and a bad credit reporting, Capital one refused to make it right for me. As I explained I am XXXX years old with XXXX and just recovering from XXXX XXXX ; and I was not aware of this happening since I haven't got any statement nor any alert nor phone call. They refused to help me and he kept saying that it was my mistakes that I was switching the statement to online statement in XXXX which I didn't remember doing it. Now I strongly belief that someone inside capital one change the mail statement to online statement to making sure that I never know if the account never been closed and annual fees was assessed to my account. This is fraud and scam to elderly client.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
My mortgage was current and then we had the government shutdown. Pennymac Sent me a letter advising I did not need to make payments. I relied on their letter and was unable to catch up but I did continue to make payments after they said I needed to start paying. Pennymac made statements in the letter that they did not honor.

( 1 ) " The forbearance plan will end XX/XX/XXXX at which time we will contact you to reassess your current circumstances and provide information on alternatives that may be available to you. '' - Pennymac never contacted me.

( 2 ) " At the end of the forbearance period, Pennymac will work with you to repay the amounts not paid during your forbearance period. '' - Pennymac has refused to work with me.
( 3 ) " We can review you at that time for an additional program to help bring your loan current, all according to your individual circumstances '' - This never happened.

Pennymac must have grown tired of the account remaining delinquent so they put me in Foreclosure. I never received a letter of intent to proceed from Pennymac. They put me in foreclosure and never formally notified me of such. They never provided me with a sale date. In fact when I asked for a sale date, they mislead me and tell me they don't know. I have called back 3 times to get a sale date and nobody knows ( so they claim ). I have to assume the sale date is XX/XX/XXXX since that is the next auction date. 

Steps I have taken : I have called Pennymac at-least 5 times to work this out voluntarily with them. Each time they refuse to accept payments. They told me the only way to get a repayment plan is to apply for a loan modification. They knew I did not qualify and they were having me apply for something they knew I would never qualify for. During the review of the modification, I lost my eligibility for a repayment plan because my account went over 5 months delinquent. I offered to pay and bring the delinquency down and they refused to accept payments. They are putting me in a position where I am going to loose my home. They are not trying at all to help me retain ownership of my home. Maybe one of their executives wants it. At any rate, they have violated FHA Servicing Guidelines and I am the one that will loose my home.  This should be illegal. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT REPORTED ON XX/XX/2018 AND XX/XX/2018 ON MY XXXX XXXX ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I attempted to add funds to my account using linked account, card ending in XXXX, several attempts made and error message received.. The messaged stated, due to technical difficulties, transaction can not be completed. I then logged out to see if logging in again might fix the error, another messaged appeared stating user name or password is incorrect which I know it is not as I have double and triple checked both. Despite this, I attempted to change password and was unable to do so, a message appeared stating due to inactivity for ten minutes, session has expired. It appears there is a technical issue with the web-site which needs to be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XX/XX/XXXX - I financed a XXXX XXXX XXXX for {$18000.00}. I put {$1500.00} down which reduced the finance to {$16000.00} XXXX XXXX of Santander Consumer USA informed me of payments being sent were not processed as they should be because some payments were sent to XXXX and others in South Carolina. He informed me the payments had been rectified and would be placed on my report correctly, this was Thu, XX/XX/XXXX XXXX XXXX. 

Two years later, I was granted a hardship Re : Temporary Reduction in Payments on XX/XX/XXXX : SEE BELOW : Dear Your Temporary reduction in payment plan has been approved and processed. Your next 6 payments will be in the amount of {$280.00}, with the first payment due on XX/XX/XXXX. 

My payments are due on the XXXX of every month, I always pay early and I send payments via overnight delivery most times and sometimes I go in person to XXXX and pay the {$2.00} express processing fee for same day payment. Yet they are reporting me 30 days late effective XX/XX/XXXX and they cashed a check which cleared my bank account drawn on XXXX, XX/XX/XXXX. I overpaid the amount required. in the amount of {$300.00} XX/XX/XXXX - XXXX  of my family members were killed  tragically in a car accident XX/XX/XXXX - I contacted Santander and they extended the payments for the above mentioned amount through XXXX. They have not kept their end of the agreement and have breached and lied. They are reporting late, yet cashing the checks before they are due. Which one is it? I signed the e-agreement and they honored it. My balance on the car is {$13000.00} - but they are adding fees that are not just. The car was only {$16000.00} and I paid $ XXXX  monthly for the first three years. I only got a reduction in XXXX and they are giving false amounts to the credit bureaus. XXXX XXXX, XXXX I paid {$240.00} for XX/XX/XXXX at XXXX in XXXX XXXX, XXXX XXXX XXXX, XXXX I paid {$350.00} @ XXXX XXXX XXXX . This is proof I am never 30 days late, in fact I am early. Again, the payments are due on the XXXX of each month. 


Santander Consumer USA Inc. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Called previous and was told it would be fine to change my debt management pay date. All other credits did not report late. Changed due date on a Debt Management for two cards. 13 day difference XXXX XXXX at XXXX XXXX submitted for lates to be removed but during that time XXXX XXXX reported more lates and has not corrected. The two cards were finally reagged in late 2019. All thats needs to be done is correct the lates on both cards. 

XXXX XXXX left and no one else I have email including the CEO will do the right thing and finish correcting my credit bureaus with lates. 

Its really simple do the right thing. I have never missed a debt management payment and my score is way lower due to XXXX XXXX. This is a 5 year plan and I have 4 years to go and have never missed a payment.

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 2020-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One and XXXX  are updating a closed and paid in full account every single month as Negative late and charge off when the account was settled and paid in full 4 months ago. The credit bureaus goes between those 3 descriptions and continue to report on this account every week, making my credit score drop when this account has been closed and paid off for months now. Instead of fixing the information after sending emails proving that Ive paid the account off, they have every excuse in the book as to why they are right and I am wrong. Ive reached out to Capital One twice and XXXX and XXXX   twice as well. I was told today to take it up with the Consumer Finance so this is what I am doing now. I really hope this can be resolved and quickly as Ive done my part and need the credit bureaus and Capital One to do theirs!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 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: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT REPORTED ON XX/XX/2018 AND XX/XX/2018 ON MY XXXX XXXX ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT REPORTED ON XX/XX/2018 AND XX/XX/2018 ON MY XXXX XXXX ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: MD

Complaint narrative:
XXXX XXXX and Experian are updating a closed and paid in full account every single month as Negative late and charge off when the account was settled and paid in full 4 months ago. The credit bureaus goes between those 3 descriptions and continue to report on this account every week, making my credit score drop when this account has been closed and paid off for months now. Instead of fixing the information after sending emails proving that Ive paid the account off, they have every excuse in the book as to why they are right and I am wrong. Ive reached out to XXXX XXXX twice and Experian and  XXXX   twice as well. I was told today to take it up with the Consumer Finance so this is what I am doing now. I really hope this can be  resolved and quickly as Ive done my part and need the credit bureaus and XXXX XXXX to do theirs!

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 2020-03-14 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
This hard pull was NOT done by me for Roadloans on XXXX.

Company response to consumer: Closed with explanation