vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My issue is with the XXXX  Credit Reporting Agency. 

I am able to have a cursory glance of my credit file ( FOR FREE ) any time whenever and however many times I want ... keyword being cursory with XXXX   and XXXX  as long as I can remember. However, XXXX  requires we give out our detailed confidential information to one of their outsourced customer service reps and THEN ( if they understand you correctly ), they'll search for the item in question ... again ... assuming they understood who or what you're talking about.

Not only is this superfluous, but a COMPLETE waste of time!! I could have seen whatever there was ( cursory-wise ) and filed a dispute if I needed to..like both XXXX  and XXXX  allow. XXXX does not allow a consumer to view their file to verify information filed on their credit report ; to have this 'option ' as one of their customer service reps stated, I would either have to BUY one of two monthly memberships, one for XXXX or $ XXXX {$29.00} ( something to that effect. ) I should be able to see if there is a discrepancy in my credit file without having to ask some complete STRANGER to tell me if they see something or to have to buy a membership to view items filed on my credit report ... this is ridiculous!!

Not only is there too much margin here for error, but you could also be the lucky recipient of someone with an attitude ... or better yet, the consumer has gotten an attitude after being transferred multiple times or is in automation XXXX going from one department to the next trying to get information on their file.

Also, while I am at it ... I have multiple student loans all being handled via Nelnet reflecting as multiple accounts on my file. Is that effing necessary to have it reflect as so?!? Why can't it be reported as 1 combined student loan for Unsub loans and 1 combined loan for Sub loans? I am about to go into my XXXXXXXX  program and I will be using even more loans in the process, and as such, even more accounts reflecting in my credit file ; I feel the number of accounts impacts my FICO score negatively. I feel as though the system is rigged to keep people from qualifying for a decent home unless they're earning 6-figures.

All I am trying to do is find a decent and SAFE home to live where I can move my mother ( who lives alone in god-forsaken XXXX Texas ) in with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: AMERICAN HONDA FINANCE CORP
State: AR

Complaint narrative:
Account showing that I was late on payments and I have a 15 day grace period Called the company, they wouldnt help Disputed a few times with the bureaus, no change. 

Dates of late payments : XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/2019, I received a promotion from Discover titled 'earn 10 % Cashback Bonus with XXXX XXXX XXXX ' from now to XX/XX/XXXX. The term said use the XXXX XXXX XXXX between XX/XX/XXXX TO XX/XX/XXXX and received 10 % cash back bonus within 10 weeks of the promotion end date. I made the purchase on XX/XX/XXXX of amount {$85.00}, I should get {$8.00} in my cashback reward account. It's been more than 10 weeks and I still did not see any promised 10 % cashback on my account. I contacted them in XXXX and the do not have a straightforward resonse. They just say you will see that within 10 weeks but I can not see that now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-24 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: MO

Complaint narrative:
I previously reported some of these things but that was before Experian sent a credit report. There is incorrect information as well as fraudulent accounts. I also Called XXXX here in XXXX, MO and spoke to XXXX. He said the information about this XXXX account is wrong. I have no bill with them and he told me to call XXXX XXXX  and tell them they would not have sent or gave them anything anyway. Also the personal statement I have begged for them to remove it not keep it on there. I have written them over and over and it still remains on my credit report. There is an address I noted is not my address and I never changed it to successfully. One address is a XXXX XXXX XXXX XXXX  and I lived there from XX/XX/XXXX till XX/XX/XXXX. Then left and moved to XXXX, mo.

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 2019-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NV

Complaint narrative:
On or about XX/XX/2019 I received a notification that a collection account was on my credit report from IC Systems. On XX/XX/2019 I sent IC Systems a Cease and Desist and request for validation as per FDCPA, requesting validation of the debt through : All documents, including electronic records or images, which bear my signature and which concern the debt being collected ; A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; The name and address of the original creditor, if different from the collecting creditor ; and A copy of proof that you are authorized to collect this debt from the original creditor. 
This letter was received by IC System on XX/XX/2019. They replied with a letter XX/XX/XXXX that included printouts of some account. They did not include anything that bared my signature, did not include a full account summary, or proof that they are authorized to collect this debt from the original creditor. 
Furthermore, I have not had an account with the original creditor during this time nor in the state listed in their reply.

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 2019-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/19 I went into a TJ Maxx store in XXXX XXXX, CA. While checking out, the cashier told me I could " upgrade '' my current TJX store card to the MasterCard version and she'd give me 10 % off. I confirmed with her this would NOT be a new account. She let me know it would be an upgrade to my existing card so I agreed. Turns out this was exactly the opposite. When I called customer service, they informed me a new card was opened and they can not merge the accounts. I said fine, please close the new account opened and they said they would. On XX/XX/19 I received a letter that there was no evidence finding any issues with the new account and the card would remain open. Completely absurd. TJ Maxx needs to train their staff both in store and through the customer service line. I now have a card open that I do not want and was tricked into opening.

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 2019-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ACCOUNTS ON MY CREDIT REPORT ARE UNVERIFIED AND UNAUTHORIZED.

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 2019-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, XXXX XXXX # XXXX, HUNTER WARFIELD INC # XXXX. They are in violation of FDCPA 805/806/809.

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 2019-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: TX

Complaint narrative:
In XX/XX/2019 I opened an on-line savings account and deposited a {$4200.00} check from the US Department of Treasury ( my tax refund ). My on-line account indicated that the check was received into my account. Subsequently I tried to transfer some of the funds from this account to another account external to this bank. 
After several days of no action I contacted the bank and they informed me that the account had been closed due to 'suspected fraudulent activity '. They suggested the check was not valid. 
For several days they said they were reviewing the account. on XX/XX/XXXX they told me that they had closed the account due to 'business reasons '. However, they have accepted the deposit into the account, and by closing the account denied me access to my money. They have told me that they will issue a check to me after 60 days. 
It is clear to me that they have decided to close my account as they did not like that I was transferring funding out of the account, and there never was suspected fraudulent activity, but they will not state this. 
They are holding my $ without my consent and I believe this to be fraudulent activity by the banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Over years I have requested that they and my XXXX address. 
I complied with their document requirements to the fullest. 
Still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: FL

Complaint narrative:
I am filing this complaint because Equifax refuses to provide me with documents their company allegedly has on file that was used to allegedly verify the accounts i disputed. Being it has exceeded 30 days and they can not and will not verify these accounts under 611 ( 5 ) ( A ) of the FCRA. Please resolve this matter as soon as possible as it is gotten me denied credit on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Over years I have requested that they and my XXXX address. 
I complied with their document requirements to the fullest. 
Still nothing.

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 2019-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My vehicle has been repossessed even tough all payments were submitted consistently on time. I made my payments from my bank account in Wells Fargo via on line payments. I even went directly to my branch to set up this new account to make sure the process is properly set up. But these payments didn't arrive or arrived late to XXXX XXXX. Something that I wasn't aware off until too late because the money was always taken from my account. 
I have been trying to resolve this issue for the last 3 months however, no resolution have been received or follow up of the multiple claims placed with costumer service with both institutions. 
Proof of payments were sent multiples occasions directly from my bank via fax, and no resolution yet. 
Be informed that my vehicle is an important part of my work and for the last three months have been very difficult for me since I have to rely in others just to be able to work. 
During multiples communication between Wells Fargo and your XXXX XXXX, has been very clear that it was a mistake from Wells Fargo therefore my payments were never allocated under my account. 
My vehicle was already place on auction for sale, and I was informed that promptly I will be receiving collections letters. 
This gross negligence is also damaging my credit. I need a prompt resolution and an immediate explanation.

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 2019-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Applied for Citi AAdvantage Card for the mileage promotion online. I never agreed to online only statements. I never received a paper statement and never rec vied any notification of any statements until apparently my account was in a past due state. I called the bank to resolve the situation and was told there system would not allow them to reverse late fees. I paid the balance in full once I was informed WHAT THE BALANCE was. Confirmed that they should be sending paper statements going forward. But it was obvious that the workflow was designed to make it impossible to to " opt-in '' to paper statements a practice which appears to be purposeful to create late fee charges and punitive interest charges. Amazing that this is still allowed after massive bank bailouts ( especially Citi ) and passage of legislation creating the CFPB. Do your jobs regulators.

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 monetary relief
Consumer complaint received 2019-11-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a 30 year veteran of the XXXX XXXX. I am XXXX XXXX XXXX and the lack of respect and lack of assistance have taken its toll on me mentally and physically! I was a victim of identity theft from 2017 Equifax breach, DoD Email Breach, XXXX XXXX XXXX breach. I have reached out to all 3 bureaus and submitted police report ( s ). I have also paid for each credit monitoring service. There have been numerous inquiries and actual theft of my debit and visa cards that I have been dealing with over the last 2 1/2 years! I have placed fraud alerts and frozen my accounts. However, I am in the process of buying a home and my accounts have been unfrozen. I am appalled at the Treatment of US Veterans!  BLUF the bureaus have refused to follow the Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: CA

Complaint narrative:
I am a victim of Identity Theft and the cyber breach, I am a military veteran and I was not in the country when the accounts were established. I filed disputes, the accounts were investigated, determined not to be mine and were deleted. The accounts were then sold to another company and is now reporting on my credit again. I filed a police report, notified all of the legal entities and the Credit Bureaus but EXPERIAN has made my life a living nightmare. The law requires the bureau to report accurate information. Their failure to do so is jeopardizing my employment. I provided the Bureaus with my ID, Credit, Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they removed erroneous information immediately. Its been months and I am at the end of my rope because my livelihood is at risk.

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 2019-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a citibank credit card and recently I used this card for some transactions. 

I always pay credit card around XXXX of each month. Even though I do not use this card much, I always check my balances each month. Last time, when I was trying to log into my account, the server told me that the server is busy and asked me to try again at a later time. It is partially my fault that I forgot about it, but I think Citibank should also take some responsibility for always making its server available for clients to make payments. 

As I result, they charged me {$25.00} late fee, together with other financial obligations.

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 2019-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
All was well until XXXX of this year. While preparing for the Hurricane " Dorian '' my family over extended our finances. Lost of work hours, and income did not help any either. 
Knowing this fact, we reached out to our mortgage company Carrington. As an afford to pay just the principal, and interest only this would have help us out tremendously as a temporarily relief.This would have help with keeping the account current per say, and no negative reporting would have been made to Credit bureau. However, after reaching out to Carrington, without taking anything into consideration, or hear our situation we were advised that there are no such options to pay Prin/Interest only. So now we are 4 payments behind. Once you fall behind everything snow ball quickly. We understand that this is our doing, and intend to bring the acct current again somehow. We do not wish to lose our home. What we don't understand is that we are facing Foreclosure after 4 months behind. How is this possible, when we were never offered any home retention options, or even paper work to inform us. 
I thought as a customer we would be provided some home retention option or some type of Loss mitigation, a solution to keep our home. 
After several contact from us to Carrington is when I ask them to open a review for a possible Modification. 
Why was early default intervention not provided by the mortgage service. 
Because of the lack of afford on the mortgage side for us to keep our home. 
It leads me to question, where there not any State laws and Mortgage regulation violated. 
Has Carrington ( BankUnity ) violation HUD default servicing laws I feel Carrington 's actions are NOT in any way compliant with State laws and Mortgage regulation. 

Why are there mortgage servicing company that allows payments to their principal/interest as a temporarily relief, and Carrington does not. All of this stress could have been avoided.My family could be enjoying our daily routine instead we are under pressure for the holidays all because we were advised we could not make any P/I payments. 

We are asking CFPB to look into Carrington as a whole to ensure operation are in compliance with all State Law, and Regulations. We truly feel violate, and unfair service has been demonstrated with our account, and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because XX/XX/XXXX refuses to provide me with documents their company allegedly has on file that was used to allegedly verify the accounts i disputed. Being it has exceeded 30 days and they can not and will not verify these accounts under 611 ( 5 ) ( A ) of the FCRA. Please resolve this matter as soon as possible as it is gotten me denied credit on several occasions.

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 2019-11-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because XXXX  refuses to provide me with documents their company allegedly has on file that was used to allegedly verify the accounts i disputed. Being it has exceeded 30 days and they can not and will not verify these accounts under 611 ( 5 ) ( A ) of the FCRA. Please resolve this matter as soon as possible as it is gotten me denied credit on several occasions.

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