vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 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:
XXXX XXXX XXXX is reporting incorrectly to XXXX ; Experian and XXXX a collection in the amount of {$11.00} - account number : XXXX. ( Please see page 9 of the  attached credit report. ) This account is paid-in-full. There is no outstanding balance due. This incorrect reporting is a violation of the Fair Credit Reporting Act ( F.C.R.A. ) and consequently harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
This is not my debt. I just recently turn XXXX and I have not acquired or tried to obtain any credit. This account must be a result of identity theft. Please investigate and remove this account from my credit report ( all major credit bureaus ) immediately. As a creditor/service provider how did you prove or vet the consumer concerning identity before providing the service?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018 my wife and my self went to 7 days cruise to three different countries starting from XXXX ( XX/XX/2018 through XX/XX/2018 ) when we came back we found out that someone took {$400.00} from our checking account through XXXX XXXX XXXX ATM in XXXX. 
I called Bank Of America and disputed it for the following reasons : 1- We were not in US when this transaction happened. 
2- We didn't use our cards either on ship nor in any of the the 3 countries to avoid any unauthorized use..We only used cash. 
3- We had our cards with and we didn't loss them. 
4-We have't been in XXXX for more than 5 years. 

I called bank of America many many time and wasted hours on the phone with them and they asked me to fax any documents proving that we were not in US in that time, I faxed it twice but they deny and closed our claim saying that the card was presented at the time because the card chip was read!!?

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 2019-04-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: FL

Complaint narrative:
XX/XX/19 I tried to make a XXXX dollar purchase but to my surprise, my minor childs government issued XXXX XXXX COMERICA BANK debit card benefits account declined. I immediately went online as I usually would to check the balance and discovered the balance was about 5.62. I immediately called the card service to let them know that someone had taken thousands of dollars from the account without my knowledge or consent. XXXX to be exact in UNAUTHORIZED transactions at several different locations in XXXX and XXXX, Florida. My card was in my possession the whole time, Never lost or stolen and NOONE other than myself has access to the account or pin number. After about 15 days of investigation XXXX XXXX closed the case and claims there was conflicting information in what I gave them and what they investigated. They said I had called from my phone number and address to check the balance before the fraudulent activity began, however, I MADE NO SUCH CALLS. I get access to that information ONLINE. They said someone with my same last name tried calling in aswell, however, I don't know anyone or have anyone in my family with that persons name. Because of these events I have discovered that someone has stolen my identity and is perpetrating to be a member of my family. I've sent in my phone bill to show that I made No Calls to check the balance on XX/XX/2019 like their records suggest. XXXX XXXX level 2 fraud employees are very short and vague in helping and have told me the case is in fair hearing and that it could take hours or YEARS for this to be resolved. In fact, " no time frame '' is what they are saying consistently. They will not return escalation call request or allow me to speak with the investigators. XXXX XXXX   never issued a provisional credit even though I complied with their requests. I've filed police reports in both locations where the fraud accured and filed an identity theft report with The FTC. Please help me get these funds back as they are benefits for my XXXX year old child that has special needs. No one other than myself should have ANY access to these funds. HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I settled an old XXXX account that was in collections with XXXX XXXX XXXX. The rep XXXX, gave me a confirmation of settlement # XXXX and told me the amount was actually for {$190.00} ( and change ). 
My credit score before this was good and XXXX and my FICO score had been around XXXX. I found out today by Experian alert, that my credit score dropped 79 points due to being Flagged by XXXX XXXX XXXX on XX/XX/XXXX and again today. Why?! I settled on debt last Friday. 
I first called Experian asking and why this is going on and they had no idea. I then called credit collection services and spoke to rep XXXX XXXX about this as he didn't know either why this was happening. I then asked to speak to a supervisor. A XXXX XXXX ( sp ) answered the phone " asking how she could help '' ... why waste more time? I asked if she was told about my situation and she said " yes '' at which point I asked her to please not waste more time then and help me resolve this. She confirmed the payment of settlement was updated the day after I called in which was XX/XX/XXXX. She also didn't know what was reason for my Experian Credit reporting being flagged by her company. Who does know? Ms. XXXX then asked if I disputed the account and when I told her no, she brought up that I did so in XXXX. So I felt compelled to remind her that this was XXXX and that I was talking about why my account was being flagged in the present. At this point, she said that if I " paid the full amount owned on account that they would report to credit bureaus immediately ''. Really? So again the only solution to problems in this country is paying more and more and more right? I'm not even going to get into what's going on in my family right now but I have to pay for a funeral and I'm not in any state of mind to be on the phone with people that represent these companies. I have to pay for a funeral and I have to pay for my own XXXX in XXXX So I was just about to apply for a loan but this collection agency is flagging my credit to the point which it drops 79 points in two days after I pay my that something is wrong here and I would like to know why. I just spoke to my friend who managed a marketing dept at XXXX XXXX for 7 years and he was appalled and told me to do 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 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I started working with Loandepot for the purchase of my first home, everything was great, I was prequalified on XX/XX/2019. I started looking at houses, condos, and townhomes right after my pre qualification, on Monday XX/XX/XXXX I submitted my offer and it was accepted. Later that day, After speaking to the loan officer that originally provided my pre qualification, I was advised by her that my file/application would be transferred to a local loan officer since I was going to be receiving down payment assistance thru a county program and she can not help with that type of assistance offered. No one from the local office has been in contact with me, I have called multiple times since XXXX, XXXX, XXXX, XXXX and left voicemails and no one has had the decency to return my call. I drove to the local office today located at XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX and there was no one there to help and the door was locked. My closing is scheduled for XXXX and we havent even gotten far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I an currently in a transaction to close on a commercial property. I have recently ( XX/XX/XXXX ) requested for several paid off or closed accounts to be removed from my credit report. OnXX/XX/XXXX I checked my credit report with Transunion and XXXX and my Transunion Report showed XXXX scoring while XXXX showed XXXX. Once the request to remove the closed accounts came back showing a XXXX balance but changing the late days from 180 days to 120 days my score on XX/XX/XXXX went down to ( Transunion XXXX and XXXX   XXXX ). Once I discovered this detrimental drop I contacted both bureaus and the Supervisor of Consumer Relations and Fraud department - XXXX from Transunion in XXXX says they can not tell what has changed the score and would not help me discover nor correct the issue. The rep before her even went on to say that she saw that my " XXXX XXXX XXXX account was not charged off but was at a " XXXX '' balance. They both well confirmed that they could see that the said " XXXX XXXX XXXX account as well as the XXXX account for student loans had been paid off since XXXX but was reporting on my credit report. 
XXXX ( Rep ID of XXXX ) the Dispute Dpt. Supervisor asked me to verify all of my information such as ( SSN, Name, Address, D.O.B ) and once I verified my information correctly went on to say that she would not help me unless I sent in my photo ID and SS Card by fax and they would not retrieve the information for another 5 business days. The rep before her ( XXXX ) asked for the same info then asked me questions then stated I was not able to answer his questions before I asked to speak to a supervisor. Due to the negligence of both bureaus I have not gotten any further in my quest to correct any incorrect reporting and redeem my credit score therefore this issue may cause me to lose the opportunity to close on my commercial property and leave me no choice but to sue. Please help me rectify this issue with both bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Everything I am writing about is noted in my call logs with the company. 

To whom it may concern, I am writing in regards to my Citi Simplicity card I was on the phone with XXXX from Kentucky, an accounts supervisor. My issue couldn't be resolved by her. She also stated that she was the highest person that I could talk to on the phone and told me to write in. 

So with that being said, my issue is this. 

On XX/XX/XXXX I made a payment in the amount of XXXX . Well at least i thought i did, turns out it was for XXXX . An obvious mistake. 

On XX/XX/XXXX my account was apparently reviewed and determined to be a risk due to a late payment from another creditor reported on my XXXX  credit report. With this review, my credit limit was reduced by approximately XXXX . All of which I was not currently aware of. 

On XX/XX/XXXX I had realized from my bank statement that I had made an error in payment and called quickly to rectify the situation. I had talked to another account specialist and asked for the change to be made explaining that it was meant to be XXXX $ NOT XXXX $ and if I could get the XXXX $ returned. I was assured I would be and to give it a few days. 

No problems, right? 

After waiting patiently for over a week, I called back in to find out the status of my refund. I was told it was still under review and to check back. So I did, almost 2 weeks from initially being told I would be refunded I called back in yet again. I spoke to an account specialist who noted that apparently it wasn't refunded because they had the wrong account number. Now this I find odd since I have autopay set up with this account and have been making payments from the same account since I opened the card. But i accepted the answer and 2 days later i finally got my refund of XXXX $ Everything should be good now right? 

No. 

My issue is this, my credit limit was reduced, one day after a mistaken payment, that was realized and and reported 2 days after the payment. 

I was not notified of the decrease in credit, before I had made the appropriate steps to reconcile the mistaken payment. 

So now my credit limit is approximately XXXX $ lower then my balance. 

Illegally. 

You can not decrease my credit limit below my balance. Which it currently is.

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 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
1st, as I told you people earlier this month, I finally PAID OFF ALL CREDITORS!!!! Now these conniving derelicts at XXXX XXXX seem to be to stupid to obey federal laws and report this these derelicts harassed me forever with with some malignant law firm here in XXXX, NO excuse now, to continue being opprobrious, NONE of my credit reports reflect these derelicts have been paid off for there lousy generic made furniture at XXXX XXXX, junk pressed wood they purposely deceived and over-charged me for there junk product!!!

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 2019-04-04 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: TN

Complaint narrative:
On XX/XX/2019, I scheduled a payment in the amount of {$1100.00} which was the payoff amount on my CITI Bank credit card. During this time, I also made payment to other accounts including my mortgage payment and other miscellaneous debts. The following day XX/XX/XXXX, I noticed a withdraw from Citi Bank twice for the same amount totaling {$2200.00}. I contacted Citi Bank that day to have them resolve the issue only to be told that it will take 3-5 business days for the money to be returned. This delay for the return has caused major ripples in my finances with return of payments and late fees all due to a possible glitch in the mobile App used to make my payment to Citi. Not to mention the credit blemishes for late payments that will develop. The first Rep. that i spoke with insinuated that i made the mistake of making the payment twice, but after speaking with someone else, I was told that the two transactions happened within seconds of each other a proceeded to take ownership of the mistake.

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 2019-04-04 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: AES/PHEAA
State: IL

Complaint narrative:
In XX/XX/XXXX I received a letter from XXXX XXXX indicating that my projected date for Public Service Loan Forgiveness ( PSLF ) would be XXXX of XXXX ( this document is attached below ). Within a few weeks, I called them regarding my recertification and they indicated to me a different date that was two months after the date on the document that they gave me. I told them that this was incorrect and that the date they gave me over the phone was in conflict with the letter I received. At that time they told me that there were 2-3 payments that needed to be reviewed to determine " officially '' what my date for PSLF would be. They stated this would take a couple of months. After two months, they said it would take four months, then six months, and so on and so forth. I called countless times to find out what the determination of the review was and it was not until XX/XX/XXXX ( a year and a half later ) that I received correspondence from them giving me what their new projected date for PSLF would be ( this document is also attached ). I told them that the new calculation was also inaccurate because it should be XXXX of XXXX, not XXXX of XXXX. At this time I spoke with a representative ( XX/XX/XXXX ) who told me that there was still a payment that was in dispute ( XXXX of XXXX ) because they said that the payment that I made was outside of my employment dates. This is false, they have all of my documentation which states my dates of employment and all of my payments have been directly taken from my account since the beginning of me repaying my loans. They told me that they would have to put this payment under " further '' review. This should have been calculated when they took a year and a half to do the first review! I called today ( XX/XX/XXXX ) and the representative told me that the payment in question ( XX/XX/XXXX ) has not even been put under review even after the lady told me it would be last month. Given the amount of time that it took them to review the first 2-3 payment discrepancy, I am not confident that they will figure this out prior to the end of my repayment process. The representative told me that if I overpay or end up paying too long because they haven't resolved the payment review, that they will give me my money back. This is laughable to me that they expect me to trust that they will return money to me when they can not even keep track of the payments that I have given them up to this point. I have been waiting far too long to have this issue resolved and every time I call their customer service, I am given an excuse as to how long the process will take or that the process has not even been initiated at this time. I truly hope to receive a swift resolution to this issue. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
My credit report shows the following depts from first fed credit control : XX/XX/2017 {$1100.00} XX/XX/2017 {$800.00} XX/XX/2017 {$420.00} XX/XX/2017 {$1100.00} These debts do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I received a quote online for the payoff amount on my car for the XXXX, XX/XX/2019. I sent a cashiers check via email to Ally XXXX XXXX, which they posted on XX/XX/XXXX. I called customer service, XXXX, on XX/XX/XXXX to provide my XXXX account number for them to send the title overnight and was told they were sending the title to my credit union based on title instructions they received. This was incorrect because I sent the cashiers check from my credit union where I bank. I was assured that the error was corrected and the title would be sent to me at my home address by the following Monday, XX/XX/XXXX. I called customer service on XX/XX/XXXX to confirm everything was good and was told that my title would be sent to XXXX XXXX, who I have never dealt with in my life. I was assured that everything was corrected and my title would be mailed to me. I called customer service again on XX/XX/XXXX and was told that my title was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Ok, XXXX. They said they couldn't help me until they receive the title back from XXXX. They apologized for the error and would call me back on XX/XX/XXXX between XXXX XXXX and XXXX XXXX   eastern time. They didn't call, so I called them. I have to start over every time I call. There is no manager you can talk to. I am just assured that they will fix it. But every time I call I get a new person and have to convince them all over again that they made a mistake. The vehicle has a value of $ XXXX. My loan is completely paid off, but I can not get the title for it.

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 2019-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
All student loans have been paid in full for many years. They were handled by NelNet and were obtained when I applied with XXXX University Online, many years ago. Today, around XXXX XXXX  or so, I received a phone call that left a voicemail saying I need to discuss repayment options on my federal student loans. I tried calling back the caller ID number but received busy signals. I also called the number left on caller ID. However, this number uses a prompt system asking you to identify if you have dept or do not and want to be removed. If you do not choose a prompt, you are disconnected. This truly seems like a vishing attempt to identify who are targets that actually have federal student loan debt. Additional information is below and I attached a copy of the voicemail left by the fraudster. 

Caller ID displayed : XXXX The name used by the caller : XXXX XXXX Call back number left on voicemail : XXXX ADDT NOTES : This complaint is not against NelNet ( the loan services provider ), but I had to choose someone to move forward. This complaint is against whoever is attempting to defraud those who hold or have held federal student loans. Fraudsters could have easily obtained this information from the XXXX  or other data breaches.

Company response to consumer: Closed with explanation