vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FM

Complaint narrative:
I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, Equifax and XXXX via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number. XXXX responded back and stated " As a security precaution, and for your protection in order to add or change your phone number on the initial alert appearing on your personal credit report, we need proof of identification. Please provide a copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and one copy of a current utility bill, bank or insurance statement. '' I have attached a copy of my ID and bank statement for address verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
Hello CFPB : I closed my mortgage with FBC mortgage , LLC, in XXXX, FL, loan number XXXX, back in XX/XX/2016, first payment was done on XX/XX/2016, since then I have been a good customer and have paid my mortgage in time. Today, I have another company sending me an email, yes, an email, not a formal letter, no official request, but an email stating that it is time to pay my mortgage to this new company, apparently my mortgage was sold to a " XXXX XXXX '' without being notified by either part except via email. With all the issues with identity theft, these crooks make business between them without notifying the most important link here who is the consumer, while believing an email will suffice to collect a mortgage payment. There is a binding agreement between customers and loan companies and it works both ways. As customers, we can expect a loan to be transferred/sold, but we should be notified in advance of this not via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Following a recent review of my credit report at the XXXX, XXXX  and TransUnion consumer reporting agencies, I learned that XXXX XXXX ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XX/XX/2008, I deserve more.

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 2018-09-13 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: OR

Complaint narrative:
My account with XXXX XXXX XXXX is reporting to the 3 credit Bureaus as closed. This account is Open and current. 

I had contacted the company they wanted my credit reports faxed to them showing that my account shows closed. I did that. I even disputed with all 3 credit bureaus and they updated my accounts to still show closed. 

This is violating all my rights under the Fair Credit Reporting Act

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 2018-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
My previous complaint has apparently had no teeth, now the servicer SLS is scheduling BPOs and then cancelling them for frivolous reasons. My agent contacted XXXX XXXX, who confirmed that there was no BPO ordered.

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 2018-09-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Following a recent review of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies, I learned that Chase Card ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XX/XX/2004, I deserve more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer USA auto loan contract at 18 % APR, when diving into the billing of why after so many years our loan amount wasnt changing, it was then explained that its 18 % DAILY interest on the balance owed. 

I was called and solicited by Santander saying i qualified for reduction in payment for 6 months, what they didnt say is that this was going to be interest only payments, and not advise it was hurting me in the long run and tacking on 6 more months to my maturity date. They used words like 'congratulations, you qualify for this 6 month deal '. 

We have tried to argue their billing practices. About 70 % of each payment was going to interest, and even if making payment on same day each month, it seemed to fluctuate which amount was going to the principal. 

We have put in several complaints, even to their Office of the President. They called on XXXX XXXX, my father ( cosigner ) is a veteran, and i told them do not call back on that day. They put in a cease and desist on our account, which included not sending any billing invoices, statements etc! This was not asked for, and they still should be generating the statements online, and that wasnt that case. So we lost all visibility to our account during that time ( approx 3 months ) until we told them to remove that cease and desist we didnt ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am very sorry to make another formal complaint against members of the Navient 's corporation but they are quite disrespectful towards me when I asked about my payment. You see, Navient lied about how much I have to pay per month.Consumer service rep XXXX was very disrespectful. XXXX was unhelpful about the status of my account and very rude. I asked to speak with an supervisor and she refused me the ability to speak with the manager Personally, it seems like many people inside of the Navient 's corporation do not want me to make payments towards my loan.They keep changing the payment date and the payment account. They are being unreasonable towards me and when I asked them for repayment options ... .they get very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: FL

Complaint narrative:
Following a recent review of my credit report at the XXXX, Experian and XXXX consumer reporting agencies, I learned that XXXX XXXX ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2004, I deserve more.

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 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: VA

Complaint narrative:
USBank is increasing APR interest rates on customers with " Good Credit '' which I see is an unfair practice and then they will review after six months if I qualify for an APR reduction. As a good consumer, this looks like they are trying to increase their income by increasing my interest rate to 18.74 % which is unfair for someone with a credit score of XXXX. Based on the scoring models commonly used by financial institutions, my rating is considered " Good Credit ''. My payments were on time and always more than the minimum payment required.

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 2018-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$950.00} from CashNetUSA on XX/XX/2017 and another {$430.00} on XX/XX/2017 and another {$300.00} on XX/XX/2017 ( in total, {$1600.00}. ) I have since repaid {$1800.00}. My balance remaining is still somewhere around {$700.00}. I was unaware that the loan would have such a high interest rate. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2018 I made a Wire Transfer of {$5100.00} to a Bank in XXXX. I did this wire transfer at my Bank Wells Fargo. I did receive a call from my bank that same day or the next asking if I made a wire transfer, I responded yes. 

On XX/XX/2018 my wife and myself took vacation and we were out of the USA until XX/XX/2018. Wells Fargo made a second Wire Transfer of {$5100.00} to XXXX without any autherization from us. The Wire Transfer went to the same place. 

I have been fighting with Wells Fargo to see if they can Deposit the money to our account so we can make payments that we need. We have bounce checks for insufficient funds and have no money to cover other bills. 

Wells Fargo could not produce a second document signed by me or my wife authorizing the Wire Transfer of {$5100.00} on XX/XX/2018. 

The bank employee and the Bank Manager agree that is was the Fault of  Wells Fargo, but have not made an effort to cover our expensive or temporary deposit the {$5100.00} in our account.

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 2018-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Following a recent review of my credit report at the Equifax, XXXX and XXXX  consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX XXXX ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roycroft Management
State: TX

Complaint narrative:
XXXX XXXX called me from XXXX and stated her call back number was XXXX. She said she worked for XXXX XXXX XXXX Financial Crimes Department and Verified the last 4 of my Social Security number. 

She stated that there was a XXXX XXXX XXXX account opened and a wire transfer than was made from another bank around 2012. She said they are filing a lawsuit for Fraud and forwarding the information to processing.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scott Fetzer Financial Group Inc.
State: DE

Complaint narrative:
I originally filed a complaint with CFPB ( # XXXX about XXXX XXXX XXXX XXXX XXXX ( hereinafter referred as " XXXX '' ). As a result, I received a letter from XXXX indicating the debt was mine and attaching an application with my name ( attached ). 

On XX/XX/XXXX, I replied via email to Mr. XXXX indicating that this is mistaken identity and I always use my full name " XXXX XXXX XXXX, XXXX '' all all credit applications and inquiries. I have not received a response from Mr. XXXX regarding same. Therefore, this debt is not mine to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Kohls has went back and changed my payment history to show I never made on time payments which is false. My account was in a positive status for awhile. I had my account and then fell on hard times. I am very upset to see they went in and reversed my payment history to show no on time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Following a recent review of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX  XXXX  ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.

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 2018-09-13 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: FL

Complaint narrative:
Following a recent review of my credit report at the XXXX, Experian and XXXX  consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX XXXX ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.

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 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Company
State: PA

Complaint narrative:
I had requested from Credit management Company to provide me with legal validation on the alleged claims that they claim I owe and had requested that they provide me proof of there ownership of this account. I had also request a copy of a signed authorization by me with the alleged original creditor to release my personal private information and the contract that I had with Credit management Company. I made this request in writing sent via certified mail return receipt to Credit management. to this date I have received no response from the company only that XXXX states they have verified the debt. I had request from XXXX the information the method of verification and the Supervisor stated that it is not kept on file it is electronic. I have also disputed these account to which I have no account numbers for only a dollar amount of XXXX and XXXX with all three of the CRA XXXX and XXXX  have removed as unverified but they are continuing to report to XXXX. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I demand these items be removed from my XXXX   credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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:
Experian failed to remove a fraudulent collections account from my report even though XXXX  and XXXX  both removed the account.

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 2018-09-13 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX  failed to remove a fraudulent collections account from my report even though XXXX and XXXX both removed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
i told them that i had a financial company working to solve my debts

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 2018-09-13 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: SC

Complaint narrative:
Equifax continues to report inaccurate unverified charge off on my credit report from XXXX XXXX and XXXX XXXX. I requested through certified letters their METHOD of verification names and phone numbers of individuals reporting the negative data on XXXX XX/XX/2018 and Equifax still has not responded to my request but continue to report the inaccurate unverified charge offs. Equifax had to correct MIXED items on my file in the past would you please assist me with this issue.

Company response to consumer: Closed with explanation