vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To whomever it may concern, XXXX Under Section 168 FCRA i am disputing the address associated with the original contract, this address does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted under this law. If not Attorney Costs & Court Action will follow. 

I Also request the creditor to provide the ORIGINAL CONTRACT bearing my signature and verify the disputed information under the fair credit reporting act. 

Please note I have previously disputed this information by certified mail TWICE with the creditor 25 days prior and have received no response, below is the tracking number of my second by mail dispute. And a copy of my credit report. I XXXX XXXX solely submit this complaint. 

Tracking number : XXXX 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 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XXXX 2021, Capital One froze my account based on fraud. I called them to clear it up and was sent to their XXXX Capital One Fraud Dept. They made me upload my Nevada Driver License, Social Security Card Number and a utility bill to verify my address location. THIS IS TERRIBLE that they are kyc'ng me after I've been with them for 20+ years. I called them several times in the following days to follow-up on my case ( card is frozen now and I guess I'm considered a fraudster to them ) and nothing has been done. They say they have 7-10 business days to review my case. Today is XX/XX/2021 and my card is still frozen. Its been 12 business days thus far. I truly believe I've been discriminated against by the XXXX capital one fraud team because I complained to them accusing them of discrimination, harassment and such. Because of my actions, they threw my case in the trash can. Today, they say they will call me back in 2-3 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Capital For Change, Inc.
State: CT

Complaint narrative:
I obtained a loan from Capital For Change ( C4C ) in XXXX associated with a green energy project. The loan was a {$40000.00} loan due monthly over 84 months. Over the past year I have ran into difficulty paying the bill through the online system so have utilized the phone system making several months payments at once. Since Covid-19 the phone system indicates that responses ( voicemail and emails ) may take 48 to 72 hours for response. I had made a payment for 3 months in XX/XX/XXXX brining my account current until XX/XX/XXXX. On Friday XX/XX/XXXX I realized I hadn't made my payment so attempted to call C4C however wasn't able to reach a representative ( C4C confirmed call based on call logs around XXXX Friday ). I tried logging into the online system however wasn't able to log in. The next day Saturday the XXXX I realized that C4C was closed so I reset my password online and utilized the online system. I made a payment for the month of XXXX and the month of XX/XX/XXXX. The online system indicated that they process all payments after XXXX M-F the next business day however the system did indicate that the payment was made on XX/XX/XXXX. On Tuesday I received a credit alert that I was given a 1 month late on my credit. I contacted C4C and initially spoke Ms. XXXX XXXX ( Supervisor in customer support ). XXXX indicated that they do not process payments over the weekend and that the reporting is correct for the XXXX. I later escalated the issue to Mr. XXXX XXXX ( Director of Loan Servicing ), Mr. XXXX advised that he looked into the situation confirmed my call on Friday the XXXX however declined to make any changes. I proceeded ( several emails available ) to provide documentation associated with CFR XXXX associated with Regulation Z and pavements. - A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. Mr. XXXX indicated that this does not apply to his company as they are closed on the weekends and wont process payments until the following business day. I don't feel that not accepting payments and not applying payments that are made on their website ( that show a payment date of the weekend day ) should reflect a payment date for either credit reporting nor late fees is reasonable. I also don't believe based on the official clarification of the guidelines this complies. This damage to my credit is now causing me to lose out on a refinance of my mortgage that was schedule this week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have received a card from U.S. Bank Relia Card, I did not apply for this card. I have tried to report it with no satisfaction. It is fraudulent.

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 2021-02-19 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: PA

Complaint narrative:
On XX/XX/XXXX I consolidated my students loans with XXXX XXXX. 
These are the loans that were consolidated. 
XXXX XX/XX/XXXX XXXX  {$17000.00} XXXX XX/XX/XXXX XXXX  {$6600.00} XXXX XX/XX/XXXX XXXX  {$11000.00} XXXX XX/XX/XXXX XXXX  {$3000.00} XXXX XX/XX/XXXX XXXX  {$8500.00} XXXX XX/XX/XXXX XXXX  {$500.00} XXXX XX/XX/XXXX XXXX  {$8500.00} XXXX XX/XX/XXXX XXXX {$12000.00} Experian continues to show that these above loans are open as well as the new consolidated loan for {$150000.00}. 

XXXX provided me the documentation to prove that they are only reporting the {$150000.00} and that the other accounts were closed. 

I am asking that Experian reports the information accurately.

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 2021-02-19 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: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
Specialized Loan Servicing reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX  so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as soon as possible.

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 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I open a Verizon Visa card last year to take advantages of money back on groceries and gas. Everything was going smoothly until I setup an auto deduct from my bank. I had used a savings account with several other banks to make payments. No where does Verizon Visa through Synchrony Bank ask you if the account is saving or checking. I made three payments and all were rejected because it was a savings account. Finally someone in their customer service area told me savings accounts were not allowed. I went to use my on XX/XX/XXXX and is was declined. I called back customer service and the card was reinstated. I went to use it today and it was declined again. Now they tell me it is closed forever and the last guy should never had reinstated it. I have an XXXX credit score and I am very upset that this will affect my credit.

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 2021-02-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX/DSNB. The Account Opened is XXXX/DSNB Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$410.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit 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 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: SD

Complaint narrative:
We have had our Mortgage with HomeLoanServ since 2015. We have had several instances over the years where our payments are being applied incorrectly. We make a partial payment on the XXXX, log in on the XXXX to make the rest of the payment, only to discover that the previous payment went towards interest instead of principal. We then have to call and have the situation reconciled every time this happens. When I called to file a complaint I was transferred around to 3 different people, and finally transferred to a man who just kept telling me I didn't understand how banks work. That if anyone using this institution were to make a partial payment at any time this will continue to happen, payments will continue to not be applied towards the monthly principal balance, and the consumer is expected to call them every time this happens. When I expressed that this is a shady business practice and sounds a lot like a scam, they purposefully change your payment to interest if it is not a full payment hoping you won't catch on and pay them extra money, he raised his voice at me and told me to go ahead and file this complaint, it wouldn't make a difference. The conversation lead me to believe this is a very common occurrence at the institution, where they apply consumers payments to the wrong option and expect them to call in to have it fixed, or they will continue to make double payments if they don't catch on that this is happening. 

I also have tried to download my statements to receive a detailed transaction history, and they are telling me that is not possible. My current XXXX statement shows I made 2 full payments and 1 partial which applied to my XXXX mortgage principal. When I called to inquire about this I was told one of those payments actually went towards my XXXX mortgage principal payment ( which one? ), but nowhere in my statement does it say that. I asked for a more detailed statement that would list exactly what month each payment was applied to and was told the company can not produce that type of statement. I was again met with condescending language, telling me I just don't understand how banks work.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
There are four accounts on my credit that DO NOT BELONG TO ME. I did not open these used them or even know how they appear in my credit. 

BMW FINANCIAL SERVICES - Acct # XXXX XXXX {$27000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$460.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX XXXX {$560.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Approached the company several times and was told I would have to pay additional money towards the principal in addition to the regular payment if I wanted more to go towards paying the loan off. Of {$650.00} they credit only {$26.00} a payment to the principal. In other words I will never pay them off. OneMain Financial is the company. They hold my vehicle title also. 
They use an interest bearing account as ploy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed on XX/XX/XXXX with the bureaus regarding a late payment that is COMPLETELY inaccurate as well as a collection that no one has yet to verify or validate for me as being accurate, therefore I do not feel I am responsible for it! Since the bureaus didn't correspond with me about anything, I disputed again on XX/XX/XXXX and yet again, the bureaus have ignored my request, this is very negligent and not fair to me as a consumer!

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 2021-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am in possession of 4 TIGR Bonds, issued by XXXX XXXX XXXX XXXX ( below and attached ). I then outline my weekslong effort to receive an answer about how to redeem these bonds. 

This table did not paste in well, I apologize. 

CUSIP Number Maturity Date Face Amount XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX On XX/XX/XXXX, I reached out to XXXX XXXX XXXX Relations via telephone, as I was informed that they were the payee per DTC. 
On XX/XX/XXXX, after not hearing back, I emailed XXXX Bondholder Relations, and heard back on XX/XX/XXXX that although XXXX is listed as the payee, due to the maturity date, my bonds were to be serviced by Chase. 
XXXX informed me that I would be best served contacting Chase at the below address : J.P. Morgan Chase Attn : Research Department Corporate & Investment Bank XXXX XXXX XXXX - XXXX XXXX  XXXX, Texas XXXX On XX/XX/XXXX, I called Chase support to attempt to connect with someone at the above Research Dept, but was unable to be provided a phone number or email address to connect directly. 
On XX/XX/XXXX I mailed a letter to the above referenced Chase address ( certified mail tracking # XXXX, confirmed delivery on XX/XX/XXXX ) On XX/XX/XXXX, I reached out via Chases social media ( XXXX  ), attempting to again find a contact at the Research Dept. They were unable to provide any additional contact information, and attempted to again tell me that the US Treasury was the appropriate contact for these bonds ( confirmed via Treasury email on XX/XX/XXXX that they were not the correct party ). 
On XX/XX/XXXX, reached out to Chase bank executive office ( XXXX ) On XX/XX/XXXX, reached out to XXXX XXXX email address at Chase On XX/XX/XXXX I received a voicemail from Chase executive offices, which I returned a voicemail to. 
On XX/XX/XXXX I left another voicemail with Chase executive offices. 
On XX/XX/XXXX I heard back from Chase Executive offices that I should refer to the US Treasury for information on these bonds ( see # 5 where Treasury said it is not their responsibility ). 

In short, from what I have learned, Chase bank should be the payer of these bonds, and they are claiming to have no record and not be responsible. I regularly check my states missing property database, and had not come across anything from an escheatment perspective.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/21, I sent a letter pointing to inaccurate and false accounts reporting on my credit report. It has been almost 60 days and nobody has yet to respond to my disputes on the matter. According FCRA 15U.S.C. 1681i, failure to investigate dispute items 30 days of notice by a consumer of the date agency receives notice of dispute, the disputed items shall be deleted/removed in accordance with paragraph 611 ( a ) ( 5 ). I am fully aware that this is a direct violation according to FCRA 15 U.S.C. 1681s-2 623 ( a ) ( 1 ) ( A ) ( B ) which has damaged my reputation according to FCRA 602 ( a ) ( 2 ), causing me stress and I demand these accounts be deleted from my credit report immediately which has also caused my information to be impacted by the XXXX  Data Breach or I will file for litigation.

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 2021-02-19 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: VA

Complaint narrative:
I sent out multiple letters to the credit bureaus and creditors to validate negative information on my credit report. I have the proof. All collections on my account need to be removed ASAP. I was a victim of fraud and there are several unverified and unverifiable accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: U.S. BANCORP
State: CA

Complaint narrative:
There are four accounts on my credit that DO NOT BELONG TO ME. I did not open these used them or even know how they appear in my credit. 

XXXX XXXX XXXX - Acct # XXXX XXXX {$27000.00} Opened XX/XX/XXXX US BANK - Acct # XXXX Amt {$5000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Acct # XXXX Amt {$460.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$560.00} Opened XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have called several times to obtain copies of the legal documents that they obtain the debt lawfully, and they have the original statements that verify the account history/age/first delinquency, etc. They have said every time they sent it but I never received it. It seems to me that they are playing hard to get since there are only a couple of months left until they can not longer report the accounts to my credit report because it's going to be 7 years since I became past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: TN

Complaint narrative:
XXXX XXXX XXXX reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as soon as possible.

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