vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am attaching a letter that I sent to the credit bureaus back in XXXX. I had asked them to investigate and correct errors that appeared on my credit report. They have not responded yet. I've also sent follow-up letters that have also been ignored. They were supposed to respond in 30 days, and its been nearly 4 months now.

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 2018-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: DISCOVER BANK
State: TX

Complaint narrative:
I applied for a private loan to cover tuition and educational expenses for the XX/XX/2019 spring semester. Discover denied me. I received a let ter stating I was denied because an item in collections appears on my report. After receiving the denial, I contacted Discover several times to review my denial. The item on my credit report is a medical bill. When I stated this, I was instructed to file an appeal. I completed the appeal and submitted a letter stating the item in collections is a medical bill and can not be included in the credit approval process. I have called several times to discuss this with the appropriate department but customer refuses to put me in contact with them. The department that oversees the credit decisions have pulled my credit report several times but has never spoken to me. The last phone call I made was yesterday, XX/XX/XXXX, and I spoke with a supervisor, XXXX. He also refused to have that department contact me and refused to do anything to investigate the situation. I told customer service and the supervisor that I feel discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On the XX/XX/2018, I was unable to access funds in my account using my debit card at a car dealership, despite adequate funds being available in my account. The amount was {$12000.00}. 

Despite contacting the bank via telephone and spending over an hour on the phone with them ( being passed from department to department ), the bank refused to authorise my payment. After many different attempts at rectifying the issue by several different departments, the bank finally told me that a {$5000.00} daily transaction limit ( that I had previously neither agreed upon or knew about ), could not be waived even with my authorisation. The call centre also gave poor instruction to the dealership on how to authorise the transaction as debit, which led to a {$3000.00} transaction going through as credit ( giving the dealership a financial penalty which luckily they accepted on my behalf ). The bank then tried to force me to do a wire transfer, and didn't tell me there would be a charge until I was just about to authorise the transaction. Luckily I did not complete the transaction. 

I was forced to leave the dealership and complete a 2 hour round trip to retrieve a check book from home. 

The bank is HSBC US, though all of the departments I spoke to on the phone were overseas call centres.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: UT

Complaint narrative:
On XX/XX/2018 Equifax ran a 'hard inquiry ' of my credit without my knowledge approval or authorization. The inquiry was from XXXX XXXX  ( XXXX XXXX XXXX ). I have spent hours on the phone with both Equifax and XXXX XXXX to no avail. Equifax states it is not their problem and that XXXX XXXX must request to remove the inquiry. I have filed a complaint with XXXX XXXX but I am doubtful it will be handled in the correct manner. Equifax says my address is incorrect instead of XXXX XXXX, Utah ( XXXX ), where I have lived for over two years, they show XXXX XXXX XXXX, Utah with a different zip code.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am attaching a letter that I sent to the credit bureaus back in XX/XX/XXXX. I had asked them to investigate and correct errors that appeared on my credit report. They have not responded yet. I've also sent follow-up letters that have also been ignored. They were supposed to respond in 30 days, and its been nearly 4 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: NC

Complaint narrative:
I am attaching a letter that I sent to the credit bureaus back in XXXX. I had asked them to investigate and correct errors that appeared on my credit report. They have not responded yet. I've also sent follow-up letters that have also been ignored. They were supposed to respond in 30 days, and its been nearly 4 months now.

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 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
In XX/XX/2018 I received an alert from XXXX XXXX about a Hard Inquiry in XXXX section from Best Buy ( Citibank ) and from that day I called 7 times indicate that someone try to get a credit card on my name. I already have credit from long time with Best Buy is make no sense asking for another card. They said all the time don't worry, we gon na fix it but nothing happen and cost me affecting my score. I talked with XXXX  and they give me your info to work this and clear this info. Let me know please how handle this.

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 2018-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
I have not had XXXX XXXX for over 6 years and i never owed anything when i closed my account. I paid it in full. I now have a collection on my account from a collection company for this account. I have tried to have it removed by addressing it with the credit bureaus but have had no success. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: DISCOVER BANK
State: FL

Complaint narrative:
This credit card was opened in my name without my knowledge. I filed police report for identity theft, and the 3 credit bureaus blocked them from reporting. 45 days later ( after the 30 days allotted ),  Discover added it back to my credit reports and told me " someone has to pay for it '' even if I was a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
When I finished graduate school, back in XX/XX/2012, I requested via phone to consolidate my loans. I was planning on doing the Public Service Loan Forgiveness program and was told that in order to qualify, my loans needed to be consolidated. 

However, when I called Navient with this request, I was told that my loans were already consolidated, as they were all under one lender/servicer, and that I was good to go. It wasn't until years later, after I had worked in non-profits for 4 1/2 years that I found out my regular monthly payments weren't counting toward my forgiveness because my loans weren't properly consolidated.

Because of the misinformation from Navient at that time, I lot 4 1/2 years of regular payments toward forgiveness, I made career and life choices to work toward loan forgiveness, only to find out they weren't actually counting. 

My loan servicer eventually changed to XXXX, so I no longer have contact or records from Navient. But in light of all of the recent press and information coming out about their practices, I felt it important to share.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have had a Walmart Credit Card through Synchrony Bank for two years. I have always paid on time and never been late. I recently started working on my credit to purchase a home. So I have been paying my balances off every month. On today I received a email from XXXX XXXX that my Walmart account was closed. I was not aware it was closed, never received a letter or notification that the account was closed. I called the XXXX number and was told the account was closed because XXXX   Credit Bureau sent them negative information on my credit report. I asked them was my account closed because XXXX XXXX will be taking over in XXXX and was told no it was because I had late payments on my credit report with XXXX. I asked the representative why would XXXX report to them, since they originally pulled by credit report through XXXX  and my credit score was lower than it is now and I had filed bankruptcy. The representative could not explain. I am filing this complaint, because my credit report will reflect this account being closed by the company and negatively affect my credit. How can a company close your account without even notifying 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 2018-12-05 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: IL

Complaint narrative:
As of XX/XX/XXXX Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX/XXXX XXXX {$390.00} not mine XXXX XXXX   XXXX XXXX {$560.00} not mine XXXX XXXX XXXX XXXX {$5100.00} not 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 non-monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wife and I made a payment for XX/XX/2018 mortgage for {$20000.00} and our month balance before this payment was {$100000.00} and our interest rate is 3.75 % and our escrow amount is {$570.00} and my interst amount is {$330.00} if we add interest amount + XXXX = {$910.00} if we subtract this amount from {$20000.00} is {$19000.00} must be subtracted from total mortgage which is {$100000.00} the new balance should be {$87000.00} but on my new statement balance is {$88000.00} which is {$900.00} that means they did take towice interest and twice escrow account why this happened once before and we let it go please help us I am on the edge of retirement and I want to pay off my mortgage before to retire.

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 2018-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XX/XX/2018 Here I am in the midst of trying to bury a loved on only to check my mail and receive this notice. 
It's raining heavy in my life. 
I have contacted the loan holders 3x received emails saying my acct is in good standing and that i was NOT in default. 2wks ago received a letter stating that my account will be turned over and to contact the following agency : I have NOT received any letters, statements or correspondence from any agency indicating XXXX will be handling these loans further. XXXX with XXXX XXXX, XXXX, XXXX XXXX. 

Why am I back at this stressful moment of being threatened by Garnishments. This is too overwhelming right now. I struggling just to pay rent, gas, utilities. Food is not in the budget. 
PLEASE!!! HELP I can not do this right now.

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 2018-12-05 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: MD

Complaint narrative:
I have provided the Credit Reporting Companies with the proper documentation to remove items from my XXXX, TransUnion and XXXX XXXX Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have provided them copies of returned mail, that proves that the information that these companies have provided on my report are false information and thus should be removed from my credit report. I have also provided them information that some or all of these accounts are not valid and proof that the companies could not validate the accounts. The companies provide copies of statements which is not validation of the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

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 2018-12-05 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: MD

Complaint narrative:
I have provided the Credit Reporting Companies with the proper documentation to remove items from my XXXX, XXXX  and Experian Credit Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have provided them copies of returned mail, that proves that the information that these companies have provided on my report are false information and thus should be removed from my credit report. I have also provided them information that some or all of these accounts are not valid and proof that the companies could not validate the accounts. The companies provide copies of statements which is not validation of the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

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 2018-12-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Since I opened the " BankAmeriCard '' account # XXXX XXXX XXXX XXXX in XX/XX/2017 I have not received a paper monthly credit card statement by MAIL as I initially requested when I opened the account. 
I have visited my local Post Office on 3-separate occasions and they have informed me that they DO NOT receive any return items from Bank of America. 
Every month I carefully monitor my account to be certain that charges are valid and there is no suspicious activity. There has been no suspicious activity. 
But each and every month since XX/XX/2017, I have NOT received a paper statement from Bank of America as was initially requested both online and by telphone to Bank of America representatives. 
As a customer/consumer, it is impossible to understand how such a minor request can not be provided and it is especially disheartening when each and every month I DO receive all advertisements offering me loans and checking accounts and other BOA products, yet I can not get a paper copy of my monthly credit card statement causing me to have to print it on line.

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 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: CO

Complaint narrative:
Conns have been calling my number minimum 7 times per day. I have told them in the past 2 calls are fine but this is excessive. I feel I am being harassed and pressured.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 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: WI

Complaint narrative:
XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX Account Status : Closed This account is too old to remain on file. I requested the bureau remove it- they refurse and will not let me submit another request to have it 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 non-monetary relief
Consumer complaint received 2018-12-05 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: WI

Complaint narrative:
XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This item was to be deleted from my report. My submission to the CFPB was apporved for this item to be deleted and to date it has not been deleted.

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 2018-12-05 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I recieved a notice about a collection account on my credit report. I looked over the information and it was inaccurate, as i have never used services from that company " XXXX ''. I issued a dispute with experian, they handled it quickly, but i was told my inaccurate collection account would remain. I reached out to the company around 3 weeks ago and asked for to dispute it with them as well. They told me they would send out some paperwork with a summary of all " charges '' and i have yet to receive it, upon calling them again im told they will send it out again. If this was my account to begin with, why would i never have heard about any kind of account until now, when its supposedly in collections? This process has gone on long enough, and my credit report still has the collection account on my report and it's not making it easy to rebuild my credit. This charge is not mine, i will not be paying for it because of a mix up on their end. Both companies have not been very helpful in getting this matter 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 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
Received a " Warning of Suit '' letter via US Mail in early to XXXX for HOA Assessments, however, I disputed the information within 30 days of receiving the notice by sending a debt validation letter via US mail on XX/XX/XXXX. The company failed to validate the debt. I've sent them another request via certified mail. Despite their failure to respond to my request to validate the debt, they still have not stopped collection activity.

Company response to consumer: Closed with explanation