vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Every single day Synchrony has been calling me from various numbers more than five times daily. They hang up on the answering machine as well. They're robocalls sometimes because when I pick up the phone it hangs up on me when I attempt to talk to a live person.

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 2019-05-13 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: FL

Complaint narrative:
I have contacted the major credit bureau multiple times requesting an investigation to verify fraudulent account debt, as I asked who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. XXXX XXXX : 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 2019-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MA

Complaint narrative:
Dated : XXXX XXXX XXXX XXXX Attn : Consumer Dispute Dept. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX REF : Good Will Please! I'm Stressed! I Don't know! 

RE : ACCT # XXXX ==> I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. 

Dear XXXX Management Team / Elan Financial SVC, I was advised to write to you by your customer service department concerning my credit rating with your company that was recently reported late on XX/XX/XXXX for 30 days and XXXX XXXX. I have enjoyed a credit account with you guys for a while now. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been! 

Unfortunately, last month, I was in a financial dilemma due to some unforseen and, may I say, unexpected emergency with some family issues, where I had to change my bank account and told the representatives there at the bank to notify the credit card department of such change due to automatic payment. As a result my payments to you were marked delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid and made sure to fulfill my obligation to ensure that your company suffered no loss. I'm actually in the process of closing on my new house within the next 30 days, and this is REALLY setting me back now. I really need your help on correcting this mistake which honestly I thought it would never happen because I had adviced my Banker to notify you guys with the New Account Info. I was told not to worry, as it was my first time that they would take care of it. Nonetheless, now have have those negative marks on my creidt report. 

I am thankful and appreciative for the positive credit history that I have obtained through your company but now those late marks on my credit reports are causing me tremendous stress : ( I am trying to purchase a better home for my family, but the negative remarks are hurting my efforts. PLEASE PLEASE HELP! 

This is where my " Goodwill Request '' comes in. I desperately need this and I would be extremely appreciative if you would please remove the lates from your records and request that the credit bureaus remove them from my credit reports as well. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction from you guys. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 

Kind regards, 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 2019-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In XX/XX/2019 I notified Transunion Credit Reporting to stop furnishing my Credit report to XXXX XXXX XXXX 's and I continue to receive them by mail. I want this stopped!!

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 2019-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TX

Complaint narrative:
Denied credit for dubious reasons : " Derogatory public record or collection filed % of balance to high credit on banking revolving or all recolving acct Too few accounts currently paid as agreed '' 1. I have 1 collection accnt 2. This is a false statement 3. I have 3 accts. How can they deny me new accounts when I am not using them?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: I.C. System, Inc.
State: TX

Complaint narrative:
I C System Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX Amount : {$1000.00} I have disputed this entry for I C System for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between XXXX XXXX XXXX and myself for repayment. The only responses I've received were statements for payment. I've sent correspondence on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019.

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 2019-05-13 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been disputing the date of first delinquency with Wells Fargo and all of the credit reporting agencies to report the actual date of first delinquency. 
I received a copy of my credit reports from XXXX, XXXX and XXXX, and found reporting errors such as the date of first delinquency  and month and year to be removed. 
The reports shows first delinquency XXXX and then shows that the account will be removed on XXXX which is inaccurate reporting. On the reports, the Account history with status codes show that the first delinquency was on XXXX. 
This error would leave the account on my credit report for more than the reporting period per the Fair Credit Reporting Act ( FCRA ) of seven years. 
Per the FCRA the latest that the account should be removed is XX/XX/XXXX, not XX/XX/XXXX. This would leave the account on my reports for over seven years. 
I would like to have this error corrected. I am including a copy of the credit report page as corroboration and review for correction. 
I have spoken with XXXX XXXX, Executive Resolution Specialist, Customer Care and Recovery Group from Wells Fargo and e-mailed her the corroborating proof of the date of first delinquency so that the correction may be made to all of the credit reports so that the negative information will be removed within the FCRA time frame and received a letter back stating that it is being reported correctly. 
XXXX XXXX also states in the letter hat the account was past due from XXXX through XXXX of XXXX, which corroborates my complaint, but does not correct 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 2019-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Attended XXXX College and XXXX College - XXXX made many promises about helping me to get employment and or counseling for employment and they were shut down for fraud and were not able to fulfill all their promise. XXXX College promised me that they were not shutting down and one day I showed up and the doors were locked. I have informed Nelnet of this and applied for loan forgiveness based upon fraud. I have called several times and they said they never received my application so I did it again. I called and they stated they didn't get it so I had to resubmit again. I called and they stated they didn't get it so they sent me another one. I can not seem to get them to accept an application for cancelation. There is excuse after excuse that they did not receive my application. I have looked at the qualifications for cancelation and believe that I am eligible. I am contacting my local congressman as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
CAPITAL ONE Attn : Consumer Dispute XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Account # XXXX=>I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. 

Dear Executive Manager ; I was shocked when I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : XX/XX/XXXX DAY LATE  PAYMENT I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I |thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate. 

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time. 

I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

Thank you! 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Ability Recovery Services I requested a validation on XX/XX/2019 as this was an account that I did not recognize but should have been covered in full by Medicaid. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid. I do not believe the account belongs to me as it should have been paid by Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct and that the charge is not covered in full by Medicaid.

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 2019-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We co-signed for our daughter 's student loan with XXXX XXXX XXXX ( loan is now owned by Citizens Bank ) in XXXX in the amount of {$19000.00}. She left school in XXXX and payments began in XX/XX/XXXX. 

Since then we have made nearly 120 payments ( almost {$19000.00} ) and the principal balance is still {$18000.00}. 

This seems like a criminal attempt to gouge a student ( and their parents ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Fair Collections & O Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Amount : {$6900.00} I have disputed this entry for Fair Collections & O for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Fair Collections & O and myself for repayment. The only responses I've received were statements for payment. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 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 explanation
Consumer complaint received 2019-05-13 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: FL

Complaint narrative:
I filed a dispute with Transunion and sent in the corroborating proof that the date of first delinquency was not being reported correctly. 
I called and spoke with a supervisor at Transunion and was informed that the credit reporting agency ( XXXX XXXX ) reported that the date was correct. 
After speaking with the supervisor and requesting how this was verified since I sent in the payment history showing the late payments, to include copies of the credit reports showing the payment history, I was informed that it was irrelevant since the credit reporting agencies said it was correct. 
We further discussed the process about the information that I sent in to prove that it was not reporting correct dates and asked if it was being reported fraudulently since I can prove that the dates are not correct and was advised that nothing that I send in is considered, only what the creditors 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 2019-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Viking Client Services
State: VA

Complaint narrative:
Received an " important '' phone message XX/XX/19 from Viking client services a debt collector telling me to call XXXX XXXX XXXX multiple calls after that with no message. My son received a letter from this company about XXXX XXXX making a claim for a debt he disputed in writing. He specifically requested no telephonic or electronic communications in writing to them but the calls to me continue. The phone ( My phone ) is not affiliated with my son. Why are they harassing me with their phone calls for a debt that is not mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
Issue : American Express Membership rewards points were not applied to a transaction after customer request. The following is a summary of facts and interactions with American Express customer service with approximate dates. 
XX/XX/19 : I called the customer service number since I was experiencing an issue completing the transaction to redeem my points in the American Express website. I was advised that I had 30 days to redeem my points after my account is cancelled. 

XX/XX/19 : Transaction was processed and points were redeemed. 

XX/XX/19 : Account status updated to inactive/cancel. I called the American Express customer service to confirm my transaction was process as expected and points were going to be use to process the transaction on XX/XX/19. I was advised that my points would be used to settle that transaction. 

XX/XX/19 : Since a balance persisted on the account, I paid the total balance on XX/XX/19 to avoid any negative remarks on my credit history. I called the customer service number and I was advised that there was nothing they could do because my points were forfeited on XX/XX/19, 30 days after my account status changed to inactive. However, the transaction occurred well before the 30 days on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet is reporting my credit as Current was 120 days delinquent. I had called Nelnet about my accounts. I was going to school at the time and informed them of that. They said they had never heard of the school. I went to the school and had a deferment paper sent to them. I followed up with Nelnet and they said they couldn't find the school in their system. I had to go back to the school and get another paper from the school to show I was enrolled. Nelnet refused to take it via email or fax. I had to mail it to them. While I was doing all this I was told that my account would not show as delinquent once I established that I was in school at the time. When they got they finally the paper they now show me as current but previously delinquent. I am struggling to get housing because of this late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
Re National Enterprise Systems Account XXXX On XX/XX/XXXX I called National Enterprise Systems collection company at ( XXXX ) XXXX. I explained to the agent ( XXXX XXXX ) that I received a demand notice from them in the mail a few days prior, stating that I owed them {$42000.00} ( On behalf of XXXX XXXX XXXX ) I explained to the agent that I have dealt with two prior collection agencies over the past 12 years and both were able to verify that I have never signed a contract with XXXX XXXX XXXX. Without explanation I was put on hold and transferred to a woman named XXXX ( Her direct number is XXXX XXXX XXXX ext XXXX ) XXXX informed me that the collection account was sent to National Enterprise Systems by a company called XXXX XXXX XXXX. XXXX promised me that she would request document verification ( promissory note ) and send that to my email at XXXX. 
I had recently applied for a loan and reviewed my credit report today. My credit report shows a collection account that was filed by National Enterprise Systems on XX/XX/2019. This collection was reported to the Credit Bureau before the demand latter was even sent to me by National Enterprise Systems and they have made no attempt to provide me with documents, remove the collection from my credit or show that the collection is in dispute. 
My phone conversation was knowingly recorder by the collection agency. I also have a recording of the conversation.

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 2019-05-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I Thank you for the educational information you have sent to me, after my inquiry. I have received from XXXX XXXX two different balances that you are trustee, Which is confusing. would you please verify which amount that XXXX  XXXX XXXX sold to you that you monetized and sold to public, I will sent the two different documentation as attachment. 
There is element of fraud with my mortgage balance. so, it imperative to save guide the public from defective instrument to be sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NSA Partners, Ltd.
State: TX

Complaint narrative:
Hi XXXX. 



It has come to my attention that when we are late in our mortgage payment you always make advantage of adding late fees and attorney fee too. 

It's very wrong to charge the attorney fee just because we are late to make payment because sometimes things goes wrong and we try our best to make sure we are on time in remitting our rent. 



Last time I paid you the attorney money but you told me that it's because there was no communications between you and XXXX. 

Please let 's not add attorney fee on XXXX rent as I am trying to get the mortgage paid this week. 

Regards XXXX. 

This is only part of my problem. My fines have been accruing interest and i can not get a statement from him

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