vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-10 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: NY

Complaint narrative:
I have written several certified letters To Experian and XXXX, On [ XX/XX/XXXX ] I disputed an account reported by [ XXXX XXXX XXXX ] in the file you maintain under my Social Security number. 
I was informed on [ XX/XX/XXXX ] that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

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 2018-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I WENT TO CAPITAL ONE TO TRANSFER MY IRA, OPEN CDS, MONEY MARKET, AND TO GET SOME HELP. 

I AM PROFOUNDLY XXXX AND HAD EVEN MADE AN APPOINTMENT WITH THE BANK TO HELP ME FACE TO FACE AND EVEN BROUGHT A MEDICALLY NECESSARY LETTER FOR MY RIGHTS AS A XXXX XXXX PERSON AND MADE IT VERY KNOWN TO THE BANK AND THEIR ADA ENFORCEMENT OFFICE THAT I WOULD NEED A PERSON ON A HANDHELD PHONE TO BE THERE AT ALL TIMES, WHEN I HAVE TO CALL IN. I ALSO MADE IT VERY WELL KNOWN THAT I WOULD NEED A PRIVATE ROOM AT THE BANK AND HELP AND SHOULD NEVER BE RUSHED OR PUSHED OUT. 

ON DAY ONE, I WAS TOLD TO LEAVE BY XXXX THE BANK MANAGER AND TO COME BACK ANOTHER DAY OR TO ACCEPT HIGHER AMOUNTS AS HER PERSON WHO WAS UNSURE OF WHAT SHE WAS DOING, WAS TAKING UP TOO MUCH TIME. I HAD EVEN MADE THE APPOINTMENT 2 WEEKS AHEAD, AND HAD EVEN TAKEN A CAB OVER TWICE ALREADY, YET XXXX STILL WAS ABOVE RUDE. 

I TOOK THE CAB OVER ANOTHER DAY AS XXXX TOLD ME TO DO, AND STILL NO ONE TO NOTARIZE A THING AT THE BANK, SO I HAD TO GO ELSEWHERE AND CALL AND CALL ON THE PHONE, PUSHED AWAY, HUNG UP ON AND MORE WHEN I HAD MEDICALLY NECESSARY LETTERS IN MY FILES. I AM VERY UPSET AS CAPITAL ONE PROMISED ME TO HELP AND TO HAVE THINGS SET UP UNDER MY NEEDS AND NEVER HAVE. 

I WAS ALSO TOLD THAT MY FUNDS WOULD BE AVAILABLE IN 2 TO 3 DAYS WHICH I WAS LIED TO AND STILL HAVE NOT SEEN.

I LIVE OFF MY INTEREST AND HAVE LITERALLY BEEN WALKED ON AND PUT TO SHAME FOR NOT HEARING ON HEADSETS AND VOIP SYSTEM. CAPITAL ONE HAS REFUSED TO GET ME SOME HELP AND TO BE IN ADA COMPLIANCE. I HAVE EVEN PROVIDED THEM WITH MEDICALLY NECESSARY LETTERS AND MORE. 

4 DAYS AGO, I WAS TO GET A CALL AT XXXX XXXX, AND IT NEVER ONCE OCCURED. IT HAS BEEN A GAME OVER AND OVER AGAIN WITH CAPITAL ONE. THEY DO NOT CARE AT ALL AND MY REQUEST IS IN THEIR HANDS., I HAVE SHED SO MANY TEARS ALREADY AND HAVE ALSO TURNED THIS INTO THE ADA AND OCC. 

I AM ONLY BEGGING FOR MY RIGHTS AND EFFECTIVE COMMUNICATION. I AM ON SSDI AND A XXXX XXXX  INDIVIDUAL WHO NEEDS SOME HELP PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint as I am a victim of Identity theft, I submitted the proper documentation and had the erroneous accounts removed. 2 months later one of the accounts reappears with no validation or justification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am waiting for delinquent payments to drop off credit reports. From information provided on my credit report which I downloaded XX/XX/XXXX, it was indicated on Transunion that delinquent payments would be removed XX/XX/XXXX. I had a short sale and account was deemed delinquent XX/XX/XXXX. I called to speak with Transunion representative who told me it would not be removed until XX/XX/XXXX. He could not tell me why there was a discrepancy and indicated what I had provided to me was inaccurate. I called XXXX with the same question and they agreed it should be removed in XX/XX/XXXX. I would like the problem with Transunion rectified.

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 2018-08-10 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: MS

Complaint narrative:
I am presently trying to lift freeze with the three credit bureaus. Everyone I speak to is a foreign. I can not UNDERSTAND what they are saying. I ask for someone that speaks XXXX and I get another foreign person. This is ridiculous!! I began by answering security questions about my prior employment so I could lift freeze. I was given 5 answers to choose 2 from. Only 1 was where I worked. The other 4 were - 1 was my medical insurance company that I have, 1 was a credit card that I had, 1 was a debt consolidation company I used, and 1 was a company that I did business with. What gives? Because I didn't choose one from the other four answers I will have to mail in letter with a personal info. There is definitely a problem with the credit bureaus and someone should address it. My credit report has a freeze because someone compromised my account. In 2016, I had {$16000.00} of charges racked up on my account that luckily my bank caught then Equifax said my credit report was compromised. If they are so great then how the XXXX did all my info get compromised!!!. Now they worry about keeping it secure. The saying is don't close the gate after horse gets out. Hope that this sort of thing gets corrected. I am DISGUSTED with how people 's personal information is stolen and there is nothing you can do about it. I'll try an attorney next.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I disputed some charges that my General Contractor ( for a home remodel ) charged for labor and materials that he didn't buy/complete. Chase/Visa resolved 4 of the 5 charges ( in my favor -- the contractor didn't even respond or try to appeal since it was a clear-cut case ). The 5th and final charge wasn't resolved in my favor only because of a timing issue that Chase had with VIsa. My contractor charged this amount in question on XX/XX/2018. I filed the dispute XX/XX/2018 ( after giving the contractor many chances to buy the materials and complete the job I had paid for ). Visa gives 118 days to file a dispute from the date of the transaction. This was only 109 days ( within the time frame ). Chase 's dispute team took too long to file it to Visa ( once it was already after the 118 days ) and that is the one and only reason that the Contractor will end up with my money that is essentially stolen. This con-man will " win '' only because Chase didn't file it in time to Visa. I am an extremely loyal Chase customer and it took 5 calls to finally get a supervisor to finally get on the phone only to tell me that it didn't go through only because of timing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-10 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My name is XXXX XXXX. I used my Navy federal credit card at XXXX XXXX and nail shop. When I realize the card was lost, I advised Navy Federal and reported the card lost. They are they told me I owe {$5100.00} plus {$20.00} or XXXX XXXX of the outstanding balance, whichever is greater. I only made two charges the XXXX XXXX change and nail shop charge. Navy Federal policy is that if you didn't have the change the have a XXXX Liability policy ensures that you won't be responsible for false charges toy your account. That are not following there policy. They also tacked on extra {$2000.00} to the bill. This is unacceptable. I have tried calling them they won't even answer return the call. They just want to talk via I message. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Consumers Inc
State: VA

Complaint narrative:
Debt was paid in full yet it still remains on my credit reports after we agreed to a " Pay for delete ''. 

I paid the full balance owed {$370.00} via personal check every week. 

UNITED CONSUMERS INC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX my concern is that why is my credit score so low and my income even my income taxes that as an adult I have no mortgage loan originator or rental history or Job as a woman that has put me in a position to be self sufficient or secure in employment. I was recently told by unemployment that I did not make enough money in a quarter of {$8500.00} to get unemployment benefits and unemployment told me to apply for XXXX XXXX and the company I last worked for told me that I can get welfare who does that. I have not been able to even get anything to build my credit score according to XXXX and I put a fraud alert on my account because I was afraid that the mailing address I am using will get credit for me using this address, because I have been trying to get a place on my own as a woman and had to sleep on couches, in people 's cars, in train stations with drug attics and shelters with mental problems and not eligible for these welfare programs but told by XXXX XXXX that I can work and get food stamps as an individual even with my children.Its sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: TX

Complaint narrative:
I have attempted to contact Experian, I always appreciate their assistance however there are a few things left unresolved. First thing is, there is an inquiry from XXXX Card Service that I did not authorize the date for this was XX/XX/2018. This inquiry is fraudulent and I did not authorize this. Please block this inquiry. Secondly, I see two accounts from XXXX Card Services, and one from XXXX auto. I sent in a police report and these were never blocked. Additionally I have another issue that I am going to see if I can get assistance for, so my address listed should read XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX however it does not appear that way in addresses. Lastly there are two inquiries from XXXX, I only authorized ONE inquiry. This was on XX/XX/2018 the second one on XX/XX/2018 was a duplicate. I am unsure why they pulled two since I only authorized this once. I opened an account on the XXXX with XXXX but Im not sure why they took another inquiry the XXXX I did call them, and they werent sure either. Can you please dispute the second one? Thank you for your assistance!

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 2018-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
You all are reporting that my credit I was late XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. My records indicate that I have never had a late payment. Its currently reporting that I am still late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company
State: MN

Complaint narrative:
We closed on a house on XX/XX/XXXX, but title agent said we still can file complaint. 
Initially we licked our rate at 4.6 %. Then I asked about lender credit to cover pmi and some closing costs. We increased interest rate to 5.25-5.5 %. And this would have covered upfront pmi and all closing costs and prepaid items. So, the only item we were responsible for is our down payment ( {$11000.00} ). 
We paid {$4000.00} as an earnest money, so remaining cash to close amount was {$7500.00}. 
3 days prior to closing lender released CD where cash to close amount due was almost {$11000.00}. When we tried to clarify this, lender said this is not final amount and it will be corrected. Couple days later we received another CD reflecting little bit more than {$17000.00} as cash to close and our rate was increased to 5.75 % without our knowledge and consent. That triggered our payment increase by almost {$100.00}. 
Than a day before we received another CD, with increased rate and little bit more {$12000.00} cash to close amount, I tried to connect with Consultant, supervisor and manager regarding this. The only answer I got is that pmi all of the sudden increased. No one disclosed pmi amout to us. 
We submitted documents 3 weeks before closing and lender waited until the last moment to disclose this info. I still dont know what is increased pmi amount is. It was never disclosed to us. 
We spent all day at closing table and did not know what is the final cash to close is. 
When final CD appeared we noticed that lender increased rate even more without our consent and agreement and final cash to close was {$5000.00} more than discussed. 
This triggered ur to liquidate our savings. 
I had expressed my concerns to title company and said that current CD is not accurate and was told that we should sign and I still will be able to file complaint. I strongly believe that rate can not be increased without customers consent. Additionally, full disclosure should be provided in advance. Please help to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
i am paying my home mortgage through my bank account every month on time some how my escrow amount went up {$88.00} a month in XX/XX/XXXX. which i was not aware. for month of XX/XX/XXXXand XX/XX/XXXX i still made a payment on time which newer been apply to my account neither returned to me and my mortgage company charge me two month late fee and also reported to credit beuro for two month late payment which harming me in my business. i called the mortgage company and also e mailed the matter and they are saying that they cant do any thing in it and they have no answer why they were holding my money for two months. if you can please look into the matter and please help me to fix my credit thanks a lot

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 2018-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
The company " XXXX XXXXk '' for XXXX XXXX, sent me a bill as stated in my previous complaint after I paid my balance in full. They billed me for interest charges on a XXXX dollar balance. They stated in their response to the consumer protection bureau that as a " courtesy '' they would reverse the erroneous charges and remove the inaccurate date from my credit report, which was a lie. They did not remove anything from my credit report ; and to add insult to injury, they are now trying to bill me almost double the original amount. I received a bill for {$71.00}. Please investigate. This company is unethical and engaging in fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Opposing counsel XXXX XXXX has responded to my consumer complaint with the same old shady lawyer tactic robo-spins, he will say and do anything to defend his troubles clients because that's his job. I have evidence that XXXX XXXX XXXX was NOT present before shady rubber stamper XXXX XXXX XXXX whos license has since been revoked by the commissioner during the time pretender XXXX XXXX XXXX executed and recorded the fraudulent assignment. In addition to that, I will provide the court with shocking evidence that the California XXXX XXXX will look at very closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I paid my credit card balance and closed my account with Citi by phone. 
On XX/XX/XXXX, Citi added charges to the allegedly closed account. 
On XX/XX/XXXX I received an email stating I had a balance dueon the allegedly closed account. 
I contacted them by phone on XX/XX/XXXX, and representative XXXX XXXX said the charges would be removed and the account archived, and I would not hear from Citi again. 
On XX/XX/XXXX I received a letter confirming the charges on the account had been removed. 
On XXXX XXXX I received and email saying I could examine the allegedly closed account online and make a payment

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 2018-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
The original complaint was not properly reviewed ; as a result I am resubmitting a new complaint to have the issues of the original complaint addressed properly. 

My issue was with the unprofessional actions of Cater-Young 's employee XXXX XXXX. Additionally, the address Carter-Young has in your system is incorrect, so I did not receive the notification. Because I was not notified by XXXX XXXX XXXX XXXX of the transfer of the medical debt to Carter-Young collections, I was unable to provide either parties with a updated mailing address. 

If Carter-Young 's employee XXXX XXXX would have continue the conversion and not hung up the phone before the conversation ended, Carter-Young would have been informed that my mailing address changed. Because Carter-Young did not have the correct address information and did not allow me to provide updated address due to XXXX XXXX 's rude and unprofessional behavior, I still do not have the required information to make any payments. 

As mention to Carter-Young employees, I am more the willing to pay off the debt as I was doing directly with XXXX XXXX XXXX XXXX ; filing a collections account on my my personal credit report is unnecessary. Especially since, I was not properly notified of the collections account, and am willing to settle the debt as I was doing with XXXX XXXX XXXX XXXX. Please have the collection account removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have been due {$400.00} due to an overpayment on my PayPal Credit account since XX/XX/2018. On XX/XX/2018 According to my account statement, PayPal Credit withdrew the credit balance of {$400.00} from my account and has yet to refund the money as of this date. After 2 emails and 4 telephone calls to PayPal Credit customer service, I have been told that they are experiencing problems with refunding funds to several customers including me but they are working on the problem. As of this date, I have not received my funds totaling {$400.00} USD. 

Making a refund should not take this amount of extensive time.

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