vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-16 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: VA

Complaint narrative:
Transunion is reporting closed account that does not belong to me with XXXX. The account is under another persons name and should not be reported on my credit report. Transunion has not verified this account belongs to me after multiple attempts to dispute account. The dispute process through Transunion will not even allow me to dispute any incorrect information through there website or bring up credit 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 2018-04-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I lost my job, I immediately call XXXX XXXX to notify them I lost my job and was unable to make any payments at that time. Mind you every call is recorded for quality assurance - which I doubt. I've never missed a payment with them since consolidating my loans years ago. Since calling to tell them I have not been helped once. I've received calls periodically informing me I'm late on my payments, AGAIN with those same calls they make to me I've told them I lost my job in XX/XX/XXXXand have discussed this with several of their callers. One caller informed me to get online and fill out the deferment portion and submit it. I did that in XX/XX/XXXX/XX/XX/XXXX. I kept getting phone calls since and AGAIN explained my situation to them and yet nobody was knowledgeable to help me or would till the week of XX/XX/XXXX when XXXX ( employee id - XXXX ) called and AGAIN I explained to her my situation and her response was she couldn't believe nobody has helped me yet. She verbally told me she would be sending the deferment papers by mail this time along with a quality complaint form. I received a quality complaint form and immediately filled it out and mailed it back in. I also saved a copy for myself. I have not yet to receive the deferment papers in the mail yet. HOWEVER I have received a threatening letter from XXXX XXXX detailing me of my delinquency and is in danger of default, that was marked XX/XX/XXXX. Their claiming I'm {$1100.00} past due, and {$950.00} past due. I wouldn't be past due if they would of done their part back in XX/XX/XXXX when I phoned them immediately and explained my situation. I received a call from XXXX ( employ id XXXX ) the week of XX/XX/XXXX asking me about if I can pay the full amount. AGAIN I explained to him what I have been explaining to every other caller since XX/XX/XXXX, and just the week before to XXXX who told me she was not only sending deferment papers by mail to me but she's noting my account. XXXX was unaware of any of that. On their delinquency letter they have informed me that all credit bureaus are aware of my pass due. Again, no deferment papers have been received to my address XXXX XXXX XXXX, XXXX, MI XXXX. BUT they keep sending me bills, threats, and delinquency notices to that same address.

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 2018-04-16 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: MI

Complaint narrative:
First off please let me re-complain about this corrupt and highly unregulated scam company. As stated before I disputed a fraudulent collection on my account for XXXX  that is not mine. TransUnion and XXXX never sent me anything validating this is my account or that they even did an investigation. Which is a huge violation of my FCRA rights. This collection is the only one on my credit report with TransUnion because XXXX and XXXX actually did a proper investigation and took the collection off. 

Another thing I need to complain about is the fact that Transunion was just in trouble recently for the same thing they are doing to consumers again in regard to intentionally miss leading consumers when they sign up again and not directly telling them they will be charged. If you dont believe me check out all the complaints : XXXX XXXX XXXX This is not right and my husband works for the XXXX as an XXXX XXXX XXXX. I would like this properly taken care of. My next step will be to contact DC representatives.

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 2018-04-16 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
May credit card was closed on XX/XX/2017 by Wells Fargo. When I called to ask way my account was closed. I was told that i did not have a banking account with them. Which was not true I had three account 's with them. I had an joint account with my husband which was closed, because someone was writing fraudulent checks in his name. In which they were fully aware of and they still closed my account. I asked if i can open new savings account i was told no. This was not my fault I was never late all ways paid in full.

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 2018-04-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2011, my home at XXXX XXXX XXXX, XXXX, XXXX  was destroyed by a tornado. On that home I had a Wells Fargo mortgage and a Wells Fargo equity line of credit. My home insurance company paid off the mortgage, but not the equity line. I continued to pay on the equity line. 

Last week I applied for a mortgage with Wells Fargo on my new home at XXXX XXXX XXXX, XXXX, XXXX XXXX. The loan officer told me that the equity line had to to resolved first. He initiated a " research ticket '' on the equity line due to the confusion over why the equity line was not paid by XXXX ( my home insurance in XXXX ) when the company paid off the mortgage. 

Because the Wells Fargo loan officer has not responded to my questions of last Friday, I grow increasingly concerned that my interests in this matter be protected. The equity line should have been paid by XXXX ; it wasn't. Why not? And am I just the " XXXX XXXX '' in this situation, waiting to have whatever done to me by XXXX and Wells Fargo? What are my rights in this particular situation? 

Wells Fargo Line of Credit Account # XXXX Wells Fargo Research Reference ( on Account # XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX 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 2018-04-16 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: VA

Complaint narrative:
XXXX is reporting closed account that does not belong to me with Santander. The account is under another persons name and should not be reported on my credit report. XXXX has not verified this account belongs to me after multiple attempts to dispute account. The dispute process through XXXX  will not even allow me to dispute any incorrect information through there website or bring up credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: TX

Complaint narrative:
My sister was diagnose with XXXX XXXX XXXX in XX/XX/2013. My signed over power of attorney to me. I contacted Citi Financial Mortgage company and requested a loan modification. They strung me along to 10 months or so. At the end of the process they claimed I fail send a document. I sent proof that the document was sent as requested. By stringing me along they were able to steal almost all of my equity in late fee etc.

We estimate that we lost over $ 40k in being manipulated by Citi Financial. We used our funds and credit to tie up my sister affairs thinking we were going get our equity. Now the same creditor is threatening filing a suit against me. They are the very reason I was not able to pay the credit card off because they manipulated me out of fund in the equity process. This is company is responsible for ruining millions credit rating by extending a certain line of credit only to reduce it later for credit score trapping.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
I had a new car loan through XXXX ( Nissan Motor Acceptance Corporation ) XXXX. The loan start date was in XX/XX/XXXX and the loan was set up on autopay with my bank. I was never late for one payment and never received notification other than to state when the autopay amounts were paid. On XX/XX/XXXX, I got an alert from one of the credit monitoring companies that I subscribe to that my credit score changed from a score of XXXX to XXXX because of a late payment reported by XXXX XXXX. I called XXXX XXXX the next morning and they informed me that they will not auto debit the last payment left on a car loan and that I had to manually pay the last payment. I was never informed of this requirement before the day I spoke with NMAC and did not receive any notice that this last payment was late. I had an over 5 year history of making on time payments and a credit score of XXXX prior to this issue. If I had been made aware that the last payment had to be made manually, I would have made the last payment, on time, like the over 60 monthly payments before. XXXX XXXX sent a letter to the credit reporting agencies that I paid off this loan but the letter did not state that the over 30 day payment report was an error on XXXX XXXX 's part but only stated that the account was paid off. My credit score is still low ( XXXX ) because of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: CO

Complaint narrative:
Experian alerts me to a change in my score. It was over 800 for quite a long time. Then they arbitrarily lower it, again and again. When I spoke to them about why, they gave conflicting statements. Saying at different times that the same thing has a positive and then later said it has a negative impact on my score.

Today a new report was generated, they lowered my score again ( I am about to close on buying a home ) on the Overview page of the site when I log in, it says reason for change ... whats impacting your score, your credit usage is LOW then when I go to the Score page, under whats hurting your score, credit usage is HIGH says heavy usage of revolving credit. So the site explanations are in conflict with each other. Additionally, I only have 2 credit cards, and currently have a balance of {$320.00} on

one of them. We have no other revolving credit accounts.
I have asked them to articulate how they lower and then re raise and then lower my score sometimes several times in a month when my activity had remained unchanged for a few years. Why would you lower my score 27 points? Then raise the next month 27 points? Then lower it again ... and their website does not nor can they properly explain in my case why they are doing that. Nothing they say makes sense, they only give you the run around and give conflicting explanations all which make no sense.

How is it that they can be allowed to affect your score so dramatically and then offer no sound reason?

Lastly, I tried calling Experian again today, the number on the site often doesnt work, then when it does, you step through all the choices ... and it hangs up. Not professional and not confidence instilling at all.

Very frustrated and sad.

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 2018-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Flagstar Bank, National Association
State: FL

Complaint narrative:
Problem with New York Community Bank bill pay. Checking account opened XX/XX/XXXX to use online bill pay for bimonthly donations to my XXXX. I made 11 on line payments of {$140.00} ; the first 8 payment checks were mailed to and received by my XXXX  on the designated dates. The XX/XX/XXXX check was never received by the XXXX & my bank indicated check was issued & mailed. I assumed there was a mail problem. 3 subsequent payment ( XX/XX/XXXX thru XX/XX/XXXX ) were mailed & received. However payment # 12 for {$290.00} due XX/XX/XXXX was never received by the XXXX. I inquired about check with the bank as my account listed the payment as an " ACH '' not the normal " Check Paid ''. I was told this payment was not in the form of the normal check but issued as " corporate check '' because the amount was larger. The check has not been received by the XXXX even though money was withdrawn from my account. Bank can not tell me why check was not received on designated date, or what dollar amount threshold required a " corporate '' check. That's a 15 % error rate on payments. The XXXX  regularly receives checks from other banking institutions without a problem.This is not a mail issue.. Today is  XX/XX/XXXX the bank is still holding my money and unable to give me adequate explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
I sent two validation letters by certified mail on XX/XX/XXXX and XX/XX/XXXX to Bay Area Receivables in XXXX, MD to receive proof that the debt of {$700.00} is actually mine. According to the FDCPA, I am entitled to request this information. I have received ZERO responses from the company and every month they are continuing to report this debt on my credit report.I am seeking legal action against them unless they remove this collection or send me some validation.

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 2018-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for the Chase Slate card on XX/XX/XXXX and was immediately approved. The following day on XX/XX/XXXX at XXXX XXXX I called Chase credit card customer service to discuss a credit limit increase. When I spoke with a representative she told me in order to consider me for a credit line increase they would need to pull a new credit report. I explained that they had just pulled my credit 10 hours ago which is how I was approved in the first place. The representative continued to repeat herself like a parrot and I wasn't able to get an answer as to why they couldn't use the credit report that was just pulled. I asked to speak with a supervisor and was told the same exact thing. Neither representative would or could tell me why they had to re-pull my credit report after just pulling it hours ago. I was approved via an automated system and all I was wanting was a human being to review my credit as my existing credit limits range from {$23000.00} to {$38000.00} and the Chase card was approved for {$9500.00}. Most times when you call they are willing to review the application manually and increase the line. I happen to be in the financial world and am an expert on credit. The practice of pulling someone's credit twice within hours of each other should be prohibited as it is unnecessary and excessive. I'm asking someone to look into this and get back to me with a response. Chase should be penalized for this business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Good morning, I'm attempting to pay off loans that are serviced by Navient. The loans are distributed between US Department of Education, and Navient. Navient 's website will not allow me to add a bank account to direct pay on the loans. The loans on the website in account details do not specify which loans are Dept. of Ed, or Navient. If I submit payment directly, the monies are distributed to their specifications increasing the interest gained off of each loan. I don't believe this to be in fairness of the consumer ; consumers should be eligible to pay loans to save money on interest. I've attempted contacting Navient twice about their broken website, but have not received any response back. Meanwhile, I am paying interest for loans they are preventing me from paying off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: FL

Complaint narrative:
I paid two companies for an at home business opportunity.The first one was XXXX XXXX who took XXXX dollars from me and never rendered me any services. The second one was XXXX XXXX who took XXXX from me and rendered me no services.XXXX XXXX was on XX/XX/XXXX.XXXX XXXX was on XX/XX/XXXX.I think there should be no reason XXXX would look into this for me.Both these companies lied to me and robbed me.If a company does not render services i must have some recourse with XXXX   my card.XXXX should not let these people operate a merchant account.I explained to both these companies I am XXXX years old and they insisted I would not have to work at this.I also spent 36 years in the service.This is defrauding the elderly if nothing else and XXXX should act accordingly.If services were never rendered .How is there a time frame when no services were rendered.My bank should do the right thing.

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 2018-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NC

Complaint narrative:
I have been working with this agency, funded by tax payer dollars, since 2011 when I began paying on my student loans. It has been taxing to say the least. There are several ongoing issues that XXXX is unwilling to solve. These are as follows : Six months ( plus ) wait time for paperwork requests, and account questions Lost paperwork Qualifying payments that were once approved are later revoked No follow up after paperwork submission Although I have been diligently paying on my students loans on time and in the full amount requested, I have been met with alleged discrepancies that after two years and countless phone calls, no one at XXXX is able to rectify for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed an inquiry that was not authorized by me done wit XXXX XXXX. They sent me a letter saying that it will be removed from my credit report but experian still refuse to remove it.

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 2018-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group
State: NC

Complaint narrative:
I have contacted the original company XXXX XXXX to dispute the amount they are attempting to collect and they refused to correct the amount and referred me to deal with credit collection agency for future correspondence. I contacted XXXX collection and disputed the amount. They informed me that they would update my account as disputed and that the original debtor would have to correct the amount. Ive received nothing but miscommunication from both parties. I am disputing the amount of the debt. They are attempting to charge me as if I never paid on this account. I disputed this amount when the collection agency called me in XX/XX/XXXX about the account. The amount that should reflect as being owed is {$210.00} dollars. I made payments on this account, and even when the original debtor offered me the option to buy the instrument they told me that the buyout would be {$210.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation