vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-23 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: NY

Complaint narrative:
I checked my credit report on XXXX XXXX and noticed a hard inquiry by : XXXX XXXX, FL XXXX National Credit Cards/Airlines The above transaction is not mine and Im extremely upset this showed on my report because it affected my score. Can you please help me? XXXX XXXX says to contact the creditor and the creditor says to contact XXXX XXXX  and transunion, its a big circle and no avail. I want this removed from my report. Thanks

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I checked my credit report on XXXX XXXX and noticed a hard inquiry by : SYNCB XXXX, FL XXXX XXXX XXXX XXXX The above transaction is not mine and Im extremely upset this showed on my report because it affected my score. Can you please help me? XXXX XXXX says to contact the creditor and the creditor says to contact XXXX XXXX and XXXX, its a big circle and no avail. I want this removed from my report. Thanks

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Previous CFPB Complaint : XXXX Credit bureau is FALSELY reporting " Serious Delinquency '' on my credit report when all of my accounts have been in good standing for 7-10 years. 

The term " Serious Delinquency '' is erroneously used and represents defamation of character, as this false information affects my credit worthiness and credit score. 

I've attached screenshots of what I am referring to, where it shows TransUnion is erroneously reporting serious delinquency, and has recently dropped my FICO score from XXXX in XX/XX/2018 to XXXX currently when my report has not changed.

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: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cadillac Accounts Receivable Management
State: FL

Complaint narrative:
Hello. I have an account with Cadillac accounts receivable. The highest I owed was XXXX $ I started a payment plan of XXXX $ a month to be paid on the first of every month through them XX/XX/2018. Everything went according to plan until we got the the last 2 . For what ever reason it was never deducted from my account. I have tried on numerous occasions to contact the viea phone calls. It's been over a month and no return phone calls were made to me. I want to be done with this as soon as possible. My credit is being affected at this point and it unacceptable. Please help me make them take my 2 . This is getting to be silly.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Last Warning! Govern yourselves accordingly, Before i get to the aspects of my complaint I would like Equifax to know I've contacted my Secretary Of State to provide me the address to serve Equifax 's registered agent a federal Lawsuit for multiple negligent non-compliance violations. So Equifax Attached is the Cover Letter of Lawsuit papers i will issue if you dismiss my request one final time. 

Issue : Equifax removed items that were in dispute once, then lateXX/XX/XXXX they reinserted the negative information without properly informing me via a Letter and FCRA guildlines : FCRA 611 ( a ) ( 5 ) ( iii )  reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

DELETE THESE ACCOUNTS OTHERWISE I WILL FILE A LAWSUIT WITH OBVIOUS PROOF OF YOUR FAILURES. 
Accounts:1 ) XXXX XXXX XXXX 2 ) XXXX via Portfolio, 3 ) XXXX via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management calls me at least 10 times a day for a charge-off on a XXXX XXXX XXXX   credit card account. These are the violations Ive noted so far : 1. Account was sent to charge-off after less than 120 days of late payments 2. Calls me at least 10 times a day including on a number which I did not authorize for them 3. Ive asked MCM for documentation to verify the debt and the amount and they have said the do not have the information 4. Supervisor from MCM was rude and harassing on recent phone call and told me I should have all the details on my end to verify the debt since it was your card I did complain that my card was stolen and I havent used the card in a long time. My understanding was that I had closed this account but surprised to now get calls from MCM. I am convinced that something very odd is happening between the way XXXX XXXX issues credit and how they close accounts into charge off process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I contacted Navient by phone ( an ordeal in itself to get a human being ) about 3 weeks ago to inquire about my loan interest when I became aware that I was not enrolled on Autopay, which offers a lower interest rate. I recall I had enrolled in autopay years ago and never stopped it. I kept being told that I had made a phone call to terminate autopay ; the first individual told me my interest rate prior to XX/XX/2015 was $ 6.625 % and {$6.00} after I terminated autopay on XX/XX/2015 by phone call to them. I asked to speak to a supervisor, who told me that I had " never had autopay '' that it had been denied because one of my loans was too old to qualify therefore that old ( and smallest of of loans ) disqualified me for the lower rate. She said if I wanted more information, to email them. I did email Navient requesting documents showing my interest rate prior to XX/XX/2015 and after or any changes in interest rate on their records, and proof that I had disenrolled in autopay ( I never, ever called them to stop it. ) I never received information that I had been turned down for autopay because one loan did not qualify due being " too old. '' I could not find information on their website about what qualifies you for a lower interest rate through autopay. The response to my inquiry was exactly the same they told me on the phone, without any documentation showing my interest rate before and after XX/XX/2015 or proof of my phone call, which is a total lie. 
This is their impersonal ( no individual name preparing it ) response to my written inquiry : Our records indicate that you applied online for the Auto Pay program on XX/XX/2015. Your request was approved on XX/XX/2015. You requested to terminate this program by phone on XX/XX/2015. 

I really appreciate your help on this matter. Either Navient engages in fraudulent practices or their customer services staff is outright unqualified. The result for their customers is the same- tremendous frustration and financial loss.

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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
CAPITAL ONE BANK IS FALSELY REORTING 2 ACCOUNTS AS INCLUDED IN BANRUPTCY, WHERE IN FACT WAS REMOVED FROM DEBTORS LISTS ( CREDITORS FINAL NOTICE TO CREDITORS, BK CASE XXXX.

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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX IS FALSELY REORTING 2 ACCOUNTS AS INCLUDED IN BANRUPTCY, WHERE IN FACT WAS REMOVED FROM DEBTORS LISTS ( CREDITORS FINAL NOTICE TO CREDITORS, BK CASE 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
EXPERIAN ONCE AGAIN HAS VIOLATED THE FCRA, FALSELY REPORTING 4 INVALID RETAIL ACCOUNTS BY XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX. THEY ARE REPORTING THESES IN RETAILATION FOR SUING THEM FOR ROBO CALLINGS CONSUMERS.

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: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I negotiated a settlement with my Chase Credit card and I paid as agreed. They have no reneged on our agreement and are still showing a balance on this card. Ref # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Date -XX/XX/2019. USAA restricted any acces available to view and make transactions from my checking account, they restricted my debit card also. All of this without notice, I called them the same night and even the next day, they assured me it would get resolved within 3 business day, they did not provide me with any other information as to why they did this without notifying me. When I called on Friday XXXX XX/XX/2019 I spoke to a male usaa customer service rep and I then expressed my concerns with being able to purchase groceries for my XXXX small children and gas for my vehicle He then sated you will be able to use your debit card so I asked him for my avaiobalance in which he said XXXX ( I dont recal exact amount but it was over XXXX. I knew this was correct because my check from work had been deposited the previous day. When the call ended I was upset but at the same I felt ok since I was still able to use my debit card to take care of my kids and transportation needs. As I left work for the day I realized I needed gas to complete my 1 hour and 30 minute commute from work to home. My card was  declined at the gas station, I called usaa again and a lady on the line stated that the information was incorrect my card was also restricted.i was shocked and very upset, I depended on this company and trusted their word. Now I was left stranded far from home, I called several times even reached out to them on social media via messenger. They could not help me at all, and suggested I call friends in the area to loan me money.. I dont have family or friends nearby..I even begged with the representative to at least allow more use XXXX $ ( of my own money ) to at least make it home..but they cold not help me..I waited for a resolution and nothing..they basically said I was on my own and had to figure it out myself..I was left stranded and without any access to my own hard earned money or available friends or family to help me out. I was forced to beg for money from complete strangers for me to get home. I am a XXXX veteran   diagnosed with XXXX, XX/XX/XXXX as a result of a deployment in support of XXXX XXXX XXXX. This situation heightened my symptoms and I now that I am home with my kids, I am being forced to sell personal belongings in order to purchase food for my kids. All of this because I trusted USAA and left my money in their hands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My mortgage payment is XXXX per month. I paid XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I paid my mortgage payment in full and on time. I often receive my statement and the funds I pay are not applied to my mortgage. Chase says they hold the funds in until the payment is received in full for the month. How is it legal for them to accept my money and not apply it to my mortgage ( saving me money in the long term ) when they receive it? This is an abusive and deceitful practice and consumers should be protected from this practice. It allows the mortgage company to steal from the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: CT

Complaint narrative:
My name is XXXX XXXX i tried to close my checking account with netspend on XX/XX/2019 they havent sent me my XXXX dollars for over a month i changed adresses and states i live in XXXX XXXX now and was previously in XXXX. I have called them more than ten times on the matter and multiple emails to there corperate office also please call me back at XXXX XXXX XXXX for more information thankyou

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 — Investigation took more than 30 days
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
XXXX ONCE AGAIN HAS VIOLATED THE FCRA, FALSELY REPORTING 4 INVALID RETAIL ACCOUNTS BY COLONY BRANDS, XXXX XXXX, GINNYS, XXXX XXXX XXXX XXXX. THEY ARE REPORTING THESES IN RETAILATION FOR SUING THEM FOR ROBO CALLINGS CONSUMERS.

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 — Investigation took more than 30 days
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
XXXX ONCE AGAIN HAS VIOLATED THE FCRA, FALSELY REPORTING 4 INVALID RETAIL ACCOUNTS BY COLONY BRANDS, XXXX XXXX, XXXX, XXXX XXXX. XXXX  XXXX. THEY ARE REPORTING THESES IN RETAILATION FOR SUING THEM FOR ROBO CALLINGS CONSUMERS.

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 when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
During XX/XX/2019. Bank insisted they owed me XXXX $ + for my overpayment I never claimed that I paid the bill twice I watch the app everyday. They early on believed I paid twice. They showed a credit. I reviewed my numbers and could not see that I had a credit due me. When I called I was told they would send me a check and cure the issue. XXXX XXXX I said no because I could not see that I had overpaid. Weeks later with the large credit still showing on the app I called again and was told they would send me a check. I said Send it. They did. I cashed and used the money for a trip out of the country and later saw that they had not adjusted my account so I called again and I was told that I owe the money. I said well you sent me the money and this is getting very confusing. Its me an individual consumer against the billion dollar banking company and against very sophisticated computer structures. 
I asked my self was this really an error? Is it possible by a billion dollar bank to make this error? 
I called the corporate resolution department and spoke to XXXX XXXX. He stated that I owed the money and also said at least 6 times that Citi made the error. I was on a recorded line and made him repeat the words. He maintains that I still owe the money because I received the goods and services. I maintain that throughout this ordeal I did absolutely nothing wrong. I acted in good faith with absolute honesty. They did make the error. I spoke to the corporate resolution department .He said I owe the money. He said at least 6 times that CITI made the error. 
I am also contacting XXXX because this card is the affinity card between XXXX and Citi. I was harmed by their negligence. They sent the XXXX XXXX I spent it on a vacation and now they want it back. 
I am using every avenue available to seek recourse and that includes the court system.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This dispute is with Trans Union. Specifically, the following adverse Public Record, Chapter XXXX Bankruptcy reported by Trans Union on XX/XX/XXXX. XXXX XXXX : XXXX. Statements of fact : This Chapter XXXX Bankruptcy Petition was filed and subsequently dismissed without the petititioner obtaining a discharge. Creditors were not discharged during the administration of the case. Common Practice : According to the credit reporting agency : " The bankruptcy record from the court is deleted either seven years or 10 years from the filing date of the bankruptcy depending on the chapter you declared. ... Chapter XXXX bankruptcy is deleted 10 years from the filing date because none of the debt is repaid. '' Court records, attached, verify this was not the case with the listed bankruptcy. Debt owed to creditors was repaid. The Chapter XXXX Petition was Dismissed/Administratively Closed, not Discharged. This is a distinct difference. 
Previously, Trans Union reported they had verified the referenced Bankruptcy with the Federal Bankruptcy Court venue wherein this case lies. However and to the contrary of the Trans Union claim, the US Bankruptcy Court has stated [ " they do not verify cases to credit reporting agencies. '' ] I have requested the US Bankruptcy Court to verify this in writing with the Court Clerk Seal. Consequently, Case XXXX, qualified to be stricken from my credit report at 7 years, XX/XX/XXXX. It is now@1.25 years past the qualifying date to strike this notice from my Trans Union Credit Report. This adverse reporting is directly impacting my ability to obtain a XXXX XXXX loan. I can now demonstrate damages, I have standing to bring the case and given the numerous requests to Trans Union on the same issue and discoveries at hand, this matter appears ripe for class action litigation.

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 — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BQ & Associates, P.C., L.L.O.
State: NE

Complaint narrative:
I was contacted by collection agency Brumbaugh and Quandahl ( in XX/XX/XXXX ) out of XXXX, Ne re :  XXXX XXXX XXXX student loans. I began monthly payments to BQ and in XX/XX/XXXX the debt was settled. My dad took a check to their office in XXXX. I received a generic letter stating the debt was settled. Fast forward to XX/XX/XXXX, I am trying to complete my XXXX degree. I need to secure grant money in order to used my employer 's tuition reinstatement program. I completed the FAFSA and was told I have 2 Student loans in default. I provided the clearance letter to XXXX University and was told there is not enough information on it. I contacted BQ and was told the case has been closed so long there is nothing they can do to provide specific evidence of clearance. If this is not settled fast I will loose the {$2400.00} I become eligible for between XX/XX/XXXX as it must be used before XX/XX/XXXX, the XX/XX/XXXX-XX/XX/XXXX tuition assistance from my employer. I have read that XXXX XXXX XXXX was suing to collect debts they could not prove. BQ or the servicer never reported clearance to the Dept of Ed.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2019 I requested made an online credit line increase for my Discover credit card account number ending in XXXX. I proceeded through the process of answering several questing pertaining to my finance until I reached the step where I was given an option to continue by clicking " OK '' or " CANCEL '' to the statement " a further review is required, do you agree to hard pull ''. I immediately selected " CANCEL '' and did not receive any further message regarding the request. Several minutes later a received alerts from both XXXX and XXXX XXXX that there was a recent credit inquiry on my account. I accessed those two credit reporting companies where the Discover Card Inquiry appeared. After contacting Discover Card, I was initially told by the representative that she did see the request did not proceed and apparently cancelled. After further disputing with that agent she directed me to a supervisor who agreed to initiate a dispute to XXXX to remove the Inquiry. The inquiry was definitely unauthorized.

Company response to consumer: Closed with explanation