vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: ID

Complaint narrative:
The Department of Education/Nelnet is reporting that I was 90 days late on my student loans in XXXX 2011.  I have mailed letters and have contacted The Department of Education/Nelnet numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that The Department of Education/Nelnet provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. The Department of Education/Nelnet do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the The Department of Education/Nelnet is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: ID

Complaint narrative:
The XXXX XXXX XXXX is reporting that I was 90 days late on my student loans in XXXX 2011. I have mailed letters and have contacted The XXXX XXXX XXXX numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that The XXXX XXXX XXXX provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. The XXXX XXXX XXXX do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the The XXXX XXXX XXXX is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the 3 credit bureaus.

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 2017-07-01 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX is reporting that I was 90 days late on my student loans in XXXX  2011. I have mailed letters and have contacted XXXX XXXX XXXX XXXX/XXXX numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that XXXX XXXX XXXX XXXX/XXXX provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. XXXX XXXX XXXX XXXX/XXXX  do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the XXXX XXXX XXXX XXXX/XXXX is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the 3 credit bureaus.

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 2017-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express annual fee which I have repeatedly requested a copy of the application which they state I signed indicating authority to charge an annual fee which I have not although for the past five years or more they continue to bill this fee each year indicating the same response that they will send my executed copy of the application-The latest charge was on XXXX XXXX 2017 in the amount of {$95.00} each year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have contacted Experian several times, faxed written requests, copies of my drivers license, social security card, and utility bills as they have requested. I 've also contacted Experian via phone to discuss the fact that the addresses and names they are reporting on my credit is inaccurate. I 've placed a fraud alert on my credit and was told that the incorrect names and addresses would be removed from my credit report. As per the credit report from Experian on  XXXX   XXXX ,  2017  ; incorrect names and incorrect addresses are being reported on my credit report by Experian.

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 2017-07-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I did not ask for a security freeze to be put on my credit The problem is the verification/validation Equifax did not verify the XXXX XXXX collection and XXXX XXXX. account on my credit. XXXX is not a valid form of verification. XXXX XXXX and XXXX XXXX is third party collection agencies they do not have my full social security number. Identity theft is so easy especially through the hacking of computers. I have contacted XXXX XXXX with a validation letter and have not gotten a response so therefore I know you did not contact them verbally and speak with someone because I was told that the Equifax representatives are not allowed to call the creditors nor the collection agencies. I sent Equifax a method of verification form that was never filled out.. Once again XXXX is a web based automated system the Equifax use . That is not verifying this account. I will be contacting the president of Equifax XXXX XXXX XXXX if these accounts are not removed immediately. The accounts not verified nor validated are XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I received an alert from my credit bureau saying tha t JC Penny Synchrony Bank reduced my credit limit from {$2300.00} to {$1000.00}. I called the company and  was told to call the credit bureau because they are the ones that reduced my credit limit. I had a  XXXX  balance on the account and I had  a higher credit score now versus whe n I actually applied for the card. There had not been much activity on the card by my own choice. There was no reason to reduce it. I have closed the card as the representative I spoke to was so rude to me. I do n't think the bank should be able to get away with treating the customers like that.

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 2017-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I received publication in the mail regarding re-financing my vehicle. I went to  XXXX   XXXX   XXXX  to discuss options ... EXPLAINED up front ... " Do not run my credit report all over the globe ... Just with my current loan provider "  XXXX   XXXX  ''. I started receiving rejection letters from an  XXXX   XXXX  in regards to my request dating  XXXX   2017 . I have  XXXX  inquiries from an  XXXX   XXXX , an inquiry from an  XXXX   XXXX , and inquiry from  XXXX  and a  XXXX   XXXX . I was adamant about inquiries because I am cleaning my credit for preparation to purchase a house. I have a long way to go and I do not need additional problems. Any assistance would be greatly appreciated.

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 2017-07-01 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: WA

Complaint narrative:
In XX/XX/XXXX I settled 5 charge off accounts with XXXX XXXX XXXX XXXX. We are in agreement that the accounts are paid in full and paid as agreed. I have included a settlement letter from XXXX that confirms this. A 6th account was settled in XXXX XXXX, letter attached. All 6 accounts appear on the included Experian Credit Report, with red boxes marking the items described herein on pages 6-9 of the credit report. <P/>XXXX stopped reporting the payment history on each of the accounts marked in red boxes in XX/XX/XXXX, but started reporting derogatory payment history anew, when I settled the accounts. This inaccurately reflects my payment history and RE-AGES my account in violation of the FCRA because it shows a recent delinquency. <P/>The attached letter confirms these accounts are PAID AS AGREED. Thus, the derogatory payment history must be deleted in accordance in the FCRA. The new reporting of derogatory information results in a reduction in my credit score. When I paid the accounts off, instead of an increase in my score, I received a DECREASE in my score due to recent delinquencies when XXXX suddenly began reporting them. If XXXX fails to delete the payment history, its only other option is to update the entire history as derogatory beginning when the first payment was missed for each account. <P/>Additionally, XXXX continues to report 'Creditor can not locate individual ' which is false, as shows on page 9 of the Experian credit report, marked in red. XXXX has been in regular contact with me since XX/XX/XXXX, as proven by the attached letter confirming my settlements. I have twice tried to get them to remove this derogatory description using the dispute process, and each time they have 'verified ' it as accurate. This is clearly erroneous. <P/>I have contested these accounts with Experian and they received 'verification ' from XXXX that the accounts were reported accurately. As proven herein and by the attached, XXXX 's Experian reporting remains inaccurate. <P/>Having exhausted the dispute process with the Experian credit bureau, I am seeking resolution via the CFPB as a next step.

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 2017-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Flagstar Bank, National Association
State: NY

Complaint narrative:
Today I contacted support and they actually helped out rather quickly, despite, the multiple screenshots I had to send, for them to believe it was my account. Please have my bank  NYBC au thorize for you to receive updates from the account. I really like the lighting speed money function works well and like that the money was debited on the same exact day I got paid. Not much of a compliant I guess but I just want my bank to know to please give updates to  XXXX . Nice app they have so far. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
My bank will not send requested information to a company requesting it ..in a timely manner. This is causing issues with returned checks and nsf fees. Also my bank is returning items when my account has the money to cover it and then charging me fees for them being returned. They do not show the items being returned but show the fees for the items in my account activity. I have also disputed a charge and have had to call them twice about it and still nothing has been done and the charge was done I believe on XX/XX/XXXX to a card that was reported stolen and no longer active. I 'm still waiting to hear from someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
As a single parent, I had no vehicle and my now XXXX brother helped me to purchase a vehicle to help me get back and forth to work to care for my kids. He assisted me with the monthly payments as well. When he was XXXX, I contacted Santander Consumer USA to request that my notes be lowered due to financial difficulty and to prevent having my vehicle repossessed because I could not afford it. It was enough knowing that my monthly notes were {$440.00} and my car insurance was {$380.00} per month because of my credit score being low. I had previously been through identity theft from a family member  who stole my information and made purchases and created bills that I had not been aware of, which resulted in no one wanting to give me credit. Santander denied my request to have my notes lowered or allow me to refinance the vehicle through another lender. I spoke with a representative who advised me that I could do a voluntary surrender of the vehicle and have all remaining debt waived due to my situation. At that point, I had lost my job because I took a week off for grievance and they denied my request and fired me. The rep told me that all I had to do was make a statement over a recording and I did so. They advised they would pick up the vehicle in a few days, which became a few weeks. The vehicle had been parked outside of my rent home and kept insured until they picked it up. Several months later I was notified that the vehicle had been sold and I was responsible for the remaining debt on it, which was {$11000.00}, in which I thought had been resolved due to the conversation with the representative. The account has been closed and written off but remains on my credit report and is negatively impacting it. I do not think that this is fair to myself, nor any other consumer and it is an unlawful practice of business. I cooperated with this company in every way and their vehicle was returned in like new condition as I received it, but because I no longer had any help with my car note and they could not find a way to help me, but lied and hurt my credit instead, I am now left to battle with getting this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION
State: TX

Complaint narrative:
The XXXX XXXX XXXX is reporting I have late payments on the dates of XX/XX/XXXX and XX/XX/XXXX. I have not been late on the dates above.

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 2017-07-01 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: CA

Complaint narrative:
I have requested MULTIPLE TIMES for Experian to provide in righting the EXACT reason  XXXX   XXXX  from my report. I am NOT asking at this point to have it put back on. We can deal with that after I have received a written reason why it was 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 2017-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This account information is invalid and has not been verified as requested. There is no contract to prove the debt. 4 Legal letters were sent out for this account to be verified, in order to prove the debt valid, and no response has been returned besides my credit reports stating it as " verified '' with no documentation. In addition, it was requested that this account be removed from my credit reports for non verification in violation of state and federal law, and it still remains on my credit reports. They were required under the FCRA to have properly verified the accuracy of the account and they have not done so. There are no documents in their files to prove the account that has been disputed four times belongs to me. There is also no name provided as to who in the company attempted to verify it. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which ca n't be verified and have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: MD

Complaint narrative:
I received a collections notice from Allied Collection SVCS around XX/XX/XXXX regarding a XXXX Bill they claimed that I owed. I called the collections company and explained that I have not had a XXXX account since XX/XX/XXXX, have always paid all bills in full, and this is the 1st notice that I have ever received. The total they claim owed is {$4500.00}. <P/>The company could not access any records or provide any proof that the debt was owed. The collection action is on my credit report and affecting my credit score.

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 2017-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX we bought a home through 5/3 bank. The next year my escrow was XXXX negative with no explanation why. My payment went from XXXX to XXXX. They would not except my payment at the time because it was not enough.I had to refinance through them because they had brought my credit score so far down. At the full amount not taking out any and all payments we have made through the years this was in XX/XX/XXXX. Every year since my escrow is negative my insurance has not changed and my taxes were down till this year and then went up XXXX. My escrow this year was XXXX negative. Please help I can not get rid of this terrible bank. They will not let me pay my escrow my self. I do not now what else to do.Also at random time my credit monitoring company show me they add XXXX more that I owe with no explanation I have asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am using the app   XXXX   XXXX   which is suppose to connect to my bank. It connected when I first started but it wo n't show the updated amount in my bank account now. I made {$95.00} on the app   XXXX   XXXX   and was allowed to cash out but it is not showing the correct amount before the {$95.00}. I use PNC bank which is usually pretty reliable not sure if its an issue on their end or   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX The customer service line would not assist me in removing these hard inquiries.

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 2017-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
The Citibank offered several promotional offers in XX/XX/XXXX. One of the offers required a deposit of {$25000.00} in a new account ; keep it for 90 continuous days for a cash bonus of {$500.00}. I contacted a personal banker of the Citibank who verified my account and eligibility requirements to receive {$500.00} bonus. The banker opened a new XXXX XXXX XXXX XXXX for me and instructed on how to transfer money from another bank to the new account. After the banker assured me that I was eligible to receive the {$500.00} bonus, and the {$500.00} will be deposited into my account after 90 days, On XX/XX/XXXX I started to transfer {$25000.00} from XXXX XXXX to the Citibank. The {$25000.00} transfer was completed on XX/XX/XXXX. The Citibank has not yet deposited the {$500.00} bonus as promised. The bank insists on offering only 10 times the interest up to {$500.00}. I never participated in any offering that offered 10 times the interest.

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