vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i had apply for gm buypower capital one credit card never used it but in XX/XX/XXXX i got my statement and saw a balance contact capital one regarding this and iopen a fraud investigatigation since i never had used my card during all this i was in the process of buying a house so this was affecting my credit since i never used it i never made payment i was advice by capital one that to pay it off since it was the fastest way to fix my credit and once the investigation came to and end they will etheir credit or send me a refund if it wasnt actually fraud so i made the payment in XX/XX/XXXX i made the full payment bringing my account to {$0.00} i wasnt never abe to acces my account since the person who was using my account call capital one and put a security code and request another card capital one would never give me information cause didnt know that code after a while i call capital one to see if my account was still active on XX/XX/XXXX it turn out that i found out i had another balance and my account was charge off and the account was closed and open another fraud investigation soon XX/XX/XXXX this was came in my favor so i ws going to get a refund in 10 to15 days i recieve a letterand also have voice mail saying that after they toldme i need to send statement saying the payment was made and statement if all the information nothing crossout since the account that i made the payment was fro my sister they request her to send a letter wand we did after that i got an voicemail saying she had to call and give a verbal statement saying she gave me permision to used her acount to make the payment after everything they had ask was send and done XX/XX/XXXX they told me i wasnt going to get the refund because i didnt pay this from my bank account and to call the bank and have them do a stop payment that imposible because this payment of {$2700.00} was made in XX/XX/XXXX and its been pay to gm buypower capital one credit card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
delay in processing application and after 45 min and talking to 3 people, i was denied a credit card from Citibank application ID XXXX i feel like Citibank discriminated against me because im 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 2019-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a XXXX XXXX credit card that I have never been late on paying. Apparently, I had a charge from XX/XX/XXXX and wasn't sent a statement via email or mail, and never received a phone call. On XX/XX/2019 I found out I had a balance on this account through XXXX XXXX. After I saw this, I immediately went online and paid off the balance in an attempt to make my account current. However, I was notified by a representative of XXXX XXXX that their system sent out a report to Transunion and XXXX  that I was 30 days late, which has impacted my credit score. 


I did contact Transunion and XXXX that same day to open an investigation to have the 30 day late notice removed from my credit report. Unfortunately, nothing was revised because I received a lengthy letter on XX/XX/2019 from Transunion showing that the 30 day delinquency is still on my credit report. 


Before this incident, I had a 100 % record of paying all of my creditors on time. Needless to say, this situation has lowered my credit score through  no fault of mine.

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 2019-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
XXXX XXXX , XXXX collection agency keeps calling me and sent me a letter regarding an account that I do not have with them. I requested them to provide me the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt. To date I have not receive this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX I purchased a property in XXXX through Loan Depot. I hired a bad contractor and 203k consultant. Loan Depot paid the contractor over 96k and the contractor failed inspections with the City of XXXX. Lon Depot did not ask for a city inspection until i fires the contractor. That seemed very strange that they waited until they paid the contractor XXXX to ask for a city inspection. This has put me in a real bad stressful situation. I had to pay for things, twice, to get corrected and up to code which prevented me from finishing my property. Ive been struggling to get things done in my building and pay my mortgage for the last year. I had not missed any payments until XX/XX/XXXX. I was able to get a forebearance in XXXX because I work for the government and did not know if I would be affected greatly by the government shutdown. Now Im struggling to make payments because I have to make repairs to my home due to it not being completely renovated. For example my pipes burst due to the Polar Vortex in XXXX which cost me a lot to repair. The pipes froze because I dont have any walls up in my first unit. I had about 13 or more busted pipes. I called Loan Depot on XX/XX/XXXX to see what options I had. I was told I could extend my forebearance and they sent me a modification package which I have not received. Today XX/XX/XXXX I called to extend the forebearance and i was told I couldnt. I cant believe I was lied to. I am so upset that Im struggling due to their negligence and they wont help me. I also begged Loan Depot last year to close my fha case so I could refinance they said they would and did not do so. I am paying way more in interest than I should be and cant even refinance to save money to finish this renovation. I cant get help from other banks because my building is not completed. This has been a really bad experience. Im upset that my credit score may decrease as well. I have all of my emails from Loan Depot if needed. I also have pics of the work from the contractor that failed. I also have all my docs from the complaints I made about the contractors and consultant. I hope I can get some help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23 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: GA

Complaint narrative:
This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. 
Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. 
Thank you.

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 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I checked my credit report and noticed that Mercantile Adjustment had placed an account on my credit reports. I filed a dispute and the credit bureaus said that the account was verified as correct. I sent a debt validation to Mercantile Adjustment on XX/XX/XXXX via certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ) as of XX/XX/XXXX I still have not received any proof of validation for the debt. It is still being reported on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2019 This complaint is for Chase credit card I made a payment to my Chase credit card for {$300.00}, I Called the company to pay the remaining balance around {$800.00} I found out that Chase credit card company cancel the card Then Chase issue me a new card. 
After a few call to Chase credit card department, Chase again cancel me the card More calls about XXXX unresolved, I explain that I made a payment of {$300.00} And to have my card for use, But at that time they cancel the card again I made a payment of {$300.00} company did not comply to have my card back for use Im sending payment receipt for the amount of {$300.00} Chase continued asking to pay balance and I told then many many times that the remaining balance was to be paid, after I found out that they took the {$300.00} dollars but canceled the card They wanted the remaining balance paid and not let me use my credit card See payment to Chase credit card I have maintain a good payment history with chase as I have also bank account with chase for over 20 years I feel Chase has rip me off and has taken advantages I also explain to chase that I had family medical issue and that was the delay but payment where to be made but no positive results took {$300.00} payments and not credit card back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I want to know what type of mortgage loan I have since I was denied FHA insured due to Fifth Third Bank submitting the incorrect appraisal? I want to know your originated guidelines with FHA and MSHDA key to own homeownership program? Your original statement you received a inspection report saying the sink was leaking and later saw it was from my previous address I rented and not purchased. I call XXXX XXXX representative of fifth third bank in the mortgage department why you realize after you responded XX/XX/XXXX. I made my complaint XX/XX/XXXX. Two weeks later XX/XX/XXXX it was use for part of my loan process of proof of residence. When I provide proof of residence with my utility bills. XXXX XXXX the underwriter email me stating the landlord didnt give reference and hung up the phone with no explanation. She was upset because I lived there 7 years in the condominium the lender said itll be a problem with sold as is but I got a flipped property sold as is with all the safety and conditions ongoing issues. Im confused with the FHA guidelines and your guidelines? What is your guidelines for the home and consumer as myself? Why I have to file a complaint on why I was rejected with FHA? You stated my loan is service in accordance with FHA procedure? Is that lawful and how with a newly loan? I know my guidelines to receive assistance but what is your guidelines to give assistance? Why I cant speak to nobody in the mortgage department but XXXX XXXX? Before everybody was giving me the run around before I filed an complain with CFPB? Like my mortgage account is flag? One year later I received an answer of the letter or miscalculation or documentations or repairs during the routine review dated XX/XX/XXXX but thats not true because you stated XX/XX/XXXX. I was denied two weeks after closing? In your response? Im so confused with your statements. Can you please answer my questions!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I was told by at least three of XXXX 's customer service representatives that if I pay the balance of the debt that it would be deleted from my credit reports. After making the payment now I'm being told that it's not their policy to delete. I have provided them with a screenshot of my payment and a recorded call of the representative stating that it would be deleted and no resolution. Now another representative has called to tell me that they no longer own the debt and that Convergent Outsourcing owns the debt. Upon making the payment, the representative from Convergent told me that it was up to XXXX to delete the item. I am being given the run around and I still don't even know who owns the debt. I sent a letter to Convergent last year requesting debt validation and request proof of validity and in the letter I asked about who owns the debt and their response was a simple bill but did not state who owns the debt or if they bought it. Each company has given me the run around and nothing is getting resolved.

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 2019-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: UT

Complaint narrative:
This company has called me repeatedly even after they were asked to stop. They have called me from several different phone numbers. If I block one they call from another. They have even had the audacity to leave me several voicemails stating to respond before they begin legal proceedings I have no idea who they are and I do NOT owe them a debt. Even when I do answer they dont say anything. I have requested validation of the debt numerous times and never received it. They also failed to send me any written notice that any debt exists. I have been called at the dates and times listed below even after my request that they cease and desist. 

XX/XX/2019 : XXXX XXXX MST, XXXX XXXX  MST, XXXX XXXX  MST, XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST, XXXX XXXX  EST XXXX : XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX MST. 

They are violating my rights and the FDCPA. If they attempt to report ANYTHING to any credit bureau this will be a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: GA

Complaint narrative:
This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. 
Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. 
Thank you.

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 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Judgement was placed from XXXX XXXX loans for a proposed loan that exceeded the federal time limit. I requested proof and nothing was provided. Currently judgement is on my credit damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: GA

Complaint narrative:
This is a written request to remove fraudulent information that is showing in my credit file, I have file an FTC complaint that is attached to this complaint. 
My information has been breach in pass equifax and other breaches, please remove these fraudulent information from my equifax report. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23 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:
On XXXX/XXXX I submitted certified letters to all 3 credit bureaus ( XXXX, Transunion, XXXX ). I disputed numerous inaccurate trade lines on my account. I requested that they verify all items and provide me with documentation. After the first attempt no changes were made. I then submitted another certified letter to them again on XX/XX/XXXX. This letter was again in dispute of inaccurate reported tradelines. I requested they be verified and original documentation be provided to me. This request again was not completed. I then sent them a third request via certified mail on XX/XX/XXXX restating the purpose of the letter was to manually investigate all items listed. They responded once again that they are making no changes and that all information was verified. Yet again my request for manual verification was completely ignored. I sent them one final 4th request on XX/XX/XXXX again by certified mail, restating for the 4th the items that needed  to be verified or removed along with the the method, the name, and of course the original contracts that were signed with my signature. This final attempt was again ignored and not corrected. I have a copy of all certified and notarized letters, along with receipts of the sent letters. This needs to be completed and fixed and all items removed.

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 2019-03-23 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: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I paid off my American Express Credit Card XXXX, XXXX. I have been complaining and have received six letters from American Express that they are looking into and gave me six different dispute numbers. I have been reported to XXXX that I am delinquent. Each time American Express sends me a letter to acknowledge my dispute, they give name a dispute number and ask for more time to look into and resolve my case. Last week, American Express asked me to give them to XX/XX/XXXX to resolve the problem. I agree and this will be the 7th time to resolve my case. Also, they promised not to report my case as being delinquent, and I noted XXXX showed me delinquent with American Express early in XXXX. Before my last conversation with American Express. American Express did call me back this week and told me that I OWE THEM THE MONEY. I asked to see the statement showing where the charges are coming from and was told they could not provide me since it was last year. They told me I had to go back and check all my statements and payments made. I told them that was not acceptable since they claim I opened another card and I disputed opening a third card.. they said I requested a third card and I told I never did. They claim I had three cards with American Express and ask them to show me where I accepted and sign for a third card. They have really screwed up my two accounts which I have paid in full, therefore I need help from CFPB to make them send me statements showing where I opened a third account and made charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: LEXISNEXIS
State: GA

Complaint narrative:
This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: AES/PHEAA
State: KY

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$9300.00} XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX had a lawsuit in XX/XX/XXXX. 
The for-profit company that operates XXXX XXXX Colleges in XXXX, XXXX and XXXX has agreed to reform its recruiting and enrollment practices and forgive more than {$4.00} XXXX in loans for XXXX former Kentucky students.Kentucky Attorney General XXXX XXXX and other attorneys general Monday announced a settlement in which XXXX XXXX XXXX will forgive {$100.00} XXXX in outstanding loan debt held by more than 80,000 former students. 

The state and federal settlement with one of the nation 's  largest for-profit college chains resolves allegations it defrauded taxpayers out of {$11.00} XXXX. 

The agreement is expected to provide an average of {$1300.00} per student in loan forgiveness. 

*Indiana Attorney General XXXX XXXX said the deal will provide {$5.00} XXXX in loan forgiveness to 5,530   Indiana students of XXXX XXXX College and XXXX XXXX XXXX, i also did not receive my {$1300.00}. Due to this XXXX XXXX   closed my accounts but did not remove them. I would like them removed also

Company response to consumer: Closed with explanation