vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit score is illegally being manipulated. It does not show an increase as payments have been and are being made on time. It is frozen. This is my second complaint.

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 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit score is illegally being manipulated. It does not show an increase as payments have been and are being made on time. It is frozen. This is my second complaint.

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 2020-06-16 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2020 Chase mailed me a letter threatening to close my account as I had not made minimum payments for the past two months. However, during this time, I had large returns ( cancelled trips due to COVID 19 ) which posted to the account and resulted in a credit balance on the account. According to Chase 's automated systems and their website, there was " {$0.00} remaining statement balance '' and " {$0.00} remaining minimum payment due ''. Further, on both statements, the amount subject to interest stated " {$0.00} ''. My account has always been paid in full every single month. 

These refunds were for trips which I had already paid for, in full, several months before. While the cardmember agreement states a minimum payment must be paid, the refunds satisfied the entire balance, so how exactly is a payment due? 

Under the cardmember agreement, refunds/credit balances " If you do not request a refund, we will apply any credit balance to new charges on your account. '' In my opinion, the refund balance satisfied the entire statement balance and minimum payment. Therefore, no minimum payment was due. This is confirmed by Chase 's automated systems. In fact, I relied on Chase 's automated systems, which indicated that the refund had satisfied my entire statement balance and minimum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
I understand that I have an installment loan with the company I have spoke with employees of the company to let them know whats going on but obviously they dont care. On XX/XX/2020 I was called by this company on my call phone in 1 day 12 times and every phone call was less than 2 minutes a part why? I feel like those are harassing calls and I want to file a complaint. Not only have they harassed me they have harassed a family member with giving me a third party not affiliated with the borrower account all her personal information called me at my place of employment to give a message to the other party Why? Im being harassed and they have violated me and Im XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I made a mobile deposit into my checking Account at USAA, after the deposit was made they placed a 3 day hold on my deposit and on the XXXX the fraud department released my funds and the account was back to normal. on Monday they froze my account again starting that the check is getting returned. how ever I spoke to the other bank and they advised me that check was cleared on the XXXX of XXXX. USAA is refusing to release my funds or to activate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Asset Management Systems Inc
State: SC

Complaint narrative:
XXXX  is improperly reporting an account in collection as follows : Creditor : Financial Asset Management Date Opened : XX/XX/2019 Amount Due : {$5900.00} No account was opened with them or their " Original Creditor : XXXX XXXX '' in or around XX/XX/XXXX. I have contacted XX/XX/XXXX and filed a dispute 2 or 3 times to date with no success. I have contacted " Financial Asset Management '' as well to make them aware of their error only to be berated and yelled at. The original account refers to a Student Loan with a date of first delinquency that was longer than 7 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WILLOW BEND MORTGAGE
State: TX

Complaint narrative:
I originated my mortgage through Willow Bend Mortgage in XX/XX/XXXX. In XXXX of XXXX my personal information ( SSN, birthdate, phone number, false name, false email ) was used to purchase a new XXXX at a XXXX ( {$1200.00} ), financed on a new mobile plan. The bill was never paid and my credit score fell drastically. In addition, Willow Bend Mortgage made inquiries into my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I believe half of these inquiries lack necessary approval from me ( XX/XX/XXXX to get the mortgage, XX/XX/XXXX & XX/XX/XXXX could possibly be check ups? ). Willow Bend inquiring into my credit without permission roughly 30-60 days after the fraud occurred led me to reach out to the company to try and get more information. I was directed to an employee who stalled and delayed as much as possible and never provided any useful information. Multiple follow up attempts failed to initiate dialogue with a representative of the company. Willow Bend sold my mortgage immediately and it was the new service company that alerted me to numerous problems with my mortgage origination ( ex : incorrect property build date ). As a result of inaction on the part of WBM I can't collect sufficient information to repair my own credit, further preventing me from moving to pursue work opportunities elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
XXXX was not a repeat complaint. This company continues to say they are doing things and they are not. They say they dispute the issue with the credit bureaus and they do not. Instead they reapply the open credit to my credit report. Please take this seriously as I am being treated terribly by this company and now the CFPB. Please read the whole complaint that the company is not following it's own resolution, but continuing with just applying it to my credit. I was never aware of the debt and they never disputed and now they are reapplying it to my credit with a new date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Midwest Recovery Systems has reported an account for {$600.00} in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My issues are with Select Portfolio Servicing inc. My Loan number is XXXX On XX/XX/XXXX I received a letter from SPS stating the acceptance of my forbearance plan. It stated that I would not owe any monies on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a Balloon payment due XX/XX/XXXX. 

On XX/XX/XXXX I called to discuss the plan as It was incorrect. I had already made a payment, that had been received by them XX/XX/XXXX and deposited towards my XX/XX/XXXX payment. I stated that I would not be making that balloon payment on XX/XX/XXXX, as the dates and numbers in the letter were incorrect. 

On XX/XX/XXXX I submitted an inquiry to the companies ombudsman regarding the situation. I sent in all documentation of payments made. To correct the issue on the forbearance plan. 

On XX/XX/XXXX I received a letter regarding my inquiry. It stated that I had in fact made the XXXX payment. 

On XX/XX/XXXX I called to confirm that the Forebearance plan was in fact active and had been adjusted to make the balloon payment to XX/XX/XXXX. I was told whatever changes needed to be made and would be made accordingly and I would receive a letter stating said facts. 

On XX/XX/XXXX I checked my credit score and it showed that I was in default on my home loan On XX/XX/XXXX I called SPS again to confirm. they stated that it was a timing error, but that they would be able to retroactively deal with the credit score error. 

On XX/XX/XXXX I received a letter stating I was in default on the loan On XX/XX/XXXX I called and was told I had opted out of the Forbearance plan on XX/XX/XXXX ( The day I called to dispute the lack of XXXX Payment ) I told them I did not opt out, that I told them I did not agree with a balloon payment in XXXX since I had already made XXXX payment ( Investigations since that call show I was correct and did make the payment ) That is where we are today

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On or about XX/XX/2020, while looking at my Citi credit card account online, I noticed that there were charges to my accounts that were not incurred by me. They were numerous charges made in XXXX, charged by XXXX XXXX XXXX XXXX XXXX. I was never in XXXX, nor did I order anything online from XXXX. 

I immediately called Citi Customer Service, and informed them that these charges were fraudulent, and was reassured that Citi would take care of removing these charges from my accounts. 

When I received my next statement, inXX/XX/XXXX, I noticed that only some of the fraudulent charges were removed ( total fraudulent charges were {$640.00}, fraudulent charges removed were only {$210.00} ). I placed numerous calls to customer service and was repeatedly assured that the charges would be removed. 

I wrote three letters to them, certified mail, but they never responded, and the fraudulent charges are still on my 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 monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AES/PHEAA
State: MA

Complaint narrative:
Student Loan company Pennsylvania Higher Education Assistance Agency ( PHEAA ) is servicing my loan. Back in 2015 I moved/mailings got crossed payments didn't get made. Once I was notified I corrected this and have been making regular monthly payments since and it's all documented. Since I missed those payments they put loan in default and will not correct my credit report/credit score even though for the last 4 yrs I've made my timely payments. I'm presently trying to go for a mortgage with XXXX XXXX and they are stopping this from going through due to this issue. I've tried to call PHEAA they will not help me even though they state oh yes you've been in good standing with us for a while now! I've also provided XXXX XXXX the document with all my payments for the last 4yrs and they still will not help out. I would greatly appreciate it if this could be corrected and done so fast. I'm missing out on being able to buy a home " the all American dream '' which I worked all through school so I could get a promotion and make more money for this home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: SC

Complaint narrative:
During sometime between XXXX and XXXX, my student loans with XXXX XXXX XXXX  XXXX were defaulted and no longer existed as a balance under their name directly. When I recently called to initiate a new payment plan they said they no longer hold the account and it was first sent to a private company called XXXX XXXX who assumed my debt. After this I finally realized that XXXX XXXX who works with the department of education actually holds my account and I have set up a new payment plan with them to work down and pay off my student loan balance. 

My problem and the reason I am reaching out to you is XXXX is still showing my account on my credit report monthly as late, but they do not hold my account. My problem is how can the credit reporting agencies continue to report my account that used to be with them as late if they no longer hold the account? I am paying fedloan services for my debt which has been completely taken over by them. 

I have put in disputes with XXXX XXXX over the past year to no avail in correcting this. 

Can you help me or find out if I need to involve XXXX XXXX ( my credit repair service ) further? Or involve the Federal Trade commission? Or get an attorney myself on this matter?

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 2020-06-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Asset Management Systems Inc
State: SC

Complaint narrative:
XXXX  is improperly reporting an account in collection as follows : Creditor : Financial Asset Management Date Opened : XX/XX/2019 Amount Due : {$5900.00} No account was opened with them or their " Original Creditor : XXXX XXXX '' in or around XXXX of 2019. I have contacted XXXX  and filed a dispute 2 or 3 times to date with no success. I have contacted " Financial Asset Management '' as well to make them aware of their error only to be berated and yelled at. The original account refers to a Student Loan with a date of first delinquency that was longer than 7 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I booked my yearly vacation with XXXX on XX/XX/XXXX. Within twenty minutes, XXXX charged me twice for the same trip and when calling them they indicated a glitch in their system and they credited me for the 2nd charge. This was fine and I planned to continue with my trip. On XX/XX/XXXX, I received an email from XXXX indicating that they canceled my trip and that they were not in a position to offer refunds, so I must contact my bank or credit card to pursue other options. On XX/XX/XXXX, I contacted XXXX  Citi card to file a dispute for three items associated with this trip ; the XXXX XXXX charge, the XXXX resort fee and the XXXX baggage fee that i purchased a week later. 

Citi provided a credit for my XXXX baggage fee of {$180.00} relatively quickly. About a month later I received a credit for the XXXX airfare charge. Finally, on XX/XX/XXXX I get a credit for the larger XXXX resort fee. However, on XX/XX/XXXX, i get a notice indicating they took that away because I already received the credit back in XXXX. I called again on XX/XX/XXXX and spoke with two individuals and explained that the original credit in XXXX was for being double charged with my initial booking. Both individuals agreed with this statement and I should get the chargeback removed and my initial credit ruling in my favor should stand. 

On XX/XX/XXXX, still no resolution. I can not begin to tell you how many hours I've spent on hold and talking to multiple individuals. I've also received notices that contradict one another. This has been the most frustrating experience of my life. This was filed for services not rendered and every single time I've called, I've had to repeat the same scenario over and over again. They all knew that bookit charged me twice for my trip and the credits in XXXX were to resolve XXXX alleged " computer glitch '' which caused it to be charged twice. 

This is almost {$1300.00} and I've already provided half back to my travel companion when it was ruled in my favor on XX/XX/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 monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Interest rates on variable interest private loans has not dropped with he federal reserve cuts. Rates were almost immediately hiked when they were adjusted up. I have emailed Navient with this concern Navient Student Loans Loans are Owned by Navient Values range from 3000 to 12000 dollars ( 6 loans total all private ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: OH

Complaint narrative:
XXXX XXXX XXXX is in XXXX XXXX, CO. It is a residential apartment complex. The debt was sold to hunter warfield. The amount the apartment said I owed is very inaccurate. I could not afford to pay XXXX XXXX rent so I surrendered my apartment VOLUNTARILY. With that being said I only owe XXXX XXXX rent and a lease break fee. The apartment was brand new and in great shape when I moved out of it, I had only lived in it for 2 months before surrendering it. The astronomical amount they said I owe is very inaccurate. I also never received itemized list of charges stating why I was hcarged what I was charged

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my credit file. The items Im disputing are : 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/2014 XXXX ) XXXX XXXX. These delinquent account records are inaccurate because I did not miss payments. I am requesting that the accounts be corrected to show that it has always been current, with no record of being delinquent. Please investigate this matter and correct the disputed items as soon as possible. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation