vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: NY

Complaint narrative:
I am writing now in hopes to gain your help. Currently I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a significant part in this process. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2018 and I am submitting this to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
My VA loan being serviced by US Bank has had a monthly billing of XXXX for the most recent history, however mysteriously and unannounced but for the month of XX/XX/2018 US Bank change that payment to XXXX. 

I am sure they have a reason for the new bill amount but my issue here is that it went unannounced and as a result causes me to incur a late fee, which I sent in after the payment of the previous payment received on the XX/XX/XXXX of  XXXX. The late fee that I sent in was for {$100.00} which included in gap between the XXXX amounts I sent in and the XXXX new amount due, {$6.00} My payments to U.S. bank are electronic transfers and scheduled by my bank. 

As a whole I have been satisfied with the servicing of the VA loan by US Bank. My concern here is that they not withhold important accounting information like Payment adjustments as a means to manufacture late fees. That would be unethical and corrupt practicing. This has not been my experience with US Bank. Brand and reputation goes a long way today. So I am bringing this to the attention of the bank both as a reminder and a complaint, that they did not provide me with accounting prior to the billing amount change nor forewarn me that a change was imminent. This lack of communication caused my payment to be late ( after the XXXX of the month ) because the amount I sent in before the XXXX did not match the new bill amount and as a consequence I had to send in a late fee plus the gap difference.

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 2018-07-16 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: NY

Complaint narrative:
XXXX credit reporting agency did not remove 2 inquiries on my credit report. They were to be removed on XX/XX/18. The 2 inquiries are for XXXX XXXX XXXX XXXX. The initial inquiry was 2 years ago. I just checked the report that is current as of today XX/XX/2018

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 2018-07-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX credit reporting agency did not remove 2 inquiries on my credit report. They were to be removed on XX/XX/18. The 2 inquiries are for XXXX XXXX XXXX XXXX. The initial inquiry was 2 years ago. I just checked the report that is current as of today XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX they've turned in their dealer license but I have a loan through the finance company Credit Acceptance Corporation this was on XX/XX/2018 I've been making payments on a car I do not have the dealer has the car and they are out of business as of last week when they turn their licensing after I submitted all my fraudulent complaints on them I still have an issue with Credit Acceptance Corporation I'm paying for a car I do not have

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 2018-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
This is not mines compant threatened to ruin my credit if i didnt pay. 
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Unknown Account Name EOS CCA Account # XXXX Account Type Other Collection Agencies Balance {$42.00} Past Due {$42.00} Date Opened XX/XX/2018 Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Immediate Credit Recovery
State: GA

Complaint narrative:
Immediate Recovery refused to give me correct information on how to get help with defaulted loan status. Instead they made.threats and eventually called the police to the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: CT

Complaint narrative:
I called to make a payment for my Total Visa Card. The automated system stated that i was over the limit so I speak with a representative and she states that I was charged an annual credit fee of {$48.00}. Every time I question charges for the past months this year everyone says it's the annual fee. No way should an annual fee be charge every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My XXXX loans were placed into " administrative forbearance '' by nelnet. This was not something that was I, as the loan holder, was ever notified of or consented to. I have four groups of student loans with Nelnet. Two of them are XXXX school loans, which are currently in grace following my graduation in XXXX. The other two are unsubsidized XXXX loans. 

I figured out on my own that the loans were in deferment, by logging into my account to try to set up auto payment. Auto payment, and therefore the .25 % interest rate deduction, could not be applied to my account because a payment was not due. A payment was not due only because my loans were placed in administrative forbearance without my consent. 

On three separate occasions, I have requested that nelnet place my loans into repayment. Each time, the customer service was helpful in making this change. However, a few days after the repayment goes into effect, the loans always go back to being in forbearance, despite assurance from nelnet that this would not happen and measures were being taken to keep this from happening. 

This forbearance is keeping my from making auto payments to my account, causing my loans to accrue more interest due to not receiving the interest rate reduction for autopay, and delaying my student loan pay off by not starting my repayment period promptly after graduation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mungo Financial Group
State: CA

Complaint narrative:
DATE : XX/XX/2018 @ XXXX XXXX XXXX XXXX LEFT A VOICEMAIL ON MY WORK PHONE STATING THERE ARE TWO CHARGES PENDING AGAINST ME AND THEY WILL CONTACT MY HR DEPARTMENT.

ACTION TO GARNISH MY WAGES COMPANY IS WILLING TO MAKE ARRANGEMENTS IF I CONTACT THEM TODAY

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Nelnet has been double reporting my accounts for months. I have reached out and asked them to tell me which two of the four accounts they are reporting are correct. I have asked them to tell me what other loans are consolidated into the accounts that I have with them. They keep refusing to do this. And they did a hard pull on my reports when I complained, even though I have provided them proof of their incorrect reportings. Since I supplied them with the account numbers they are reporting at each bureau all I have gotten back is nonspecific form letters where they say they refuse to investigate it further. They are hindering my ability to obtain the credit I need by their lack of proper reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: CA

Complaint narrative:
In XX/XX/XXXX I was contacted by a third party ( did not know they were a third party at the time ) advising me they were from the Dept. of Education and were dealing with my student loans directly. 

I was told by the gentleman on the phone that I qualified for an income based program administered by the Dept. of Education which would allow me to make 3 payments of {$260.00} and all subsequent payments until XX/XX/XXXX would be deferred upon reevaluation of my income. 

I was obviously skeptical and questioned several times asking to confirm he was in fact from the dept. of education and after seeming to be trustworthy, I was convinced he was there to " help me '' I submitted my 3 payments and assumed I was clear from having to pay anything further until my next evaluation period. 

It wasn't until a few days ago when I noticed my credit score took a complete nosedive that I realized I was in default of my student loans - which I did not want. I contacted my student load servicer and was informed I most likely was contacted by a third party stating I qualified for a program through the Dept. of Education when they in fact weren't and the funds I submitted were not used towards paying down my student loan dept.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently obtained my credit report and was shocked that I found late payments on it Creditor : XXXX XXXX  Account Number : XXXX I was never late 30 days late in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Im not sure when this occurred, I know that I had made my payments in a timely manner to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 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: GA

Complaint narrative:
I recently obtained my credit report and was shocked that I found late payments on it Creditor : XXXX XXXX Account Number : XXXX I was never late 30 days late in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Im not sure when this occurred, I know that I had made my payments in a timely manner to your company when I received my statements. My only thought is that there is a billing error with my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: GA

Complaint narrative:
I recently obtained my credit report and was shocked that I found late payments on it Creditor : XXXX XXXX  Account Number : XXXX I was never late 30 days late in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Im not sure when this occurred, I know that I had made my payments in a timely manner to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 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: FL

Complaint narrative:
I have been trying since 2011 to remove a FRAUD ALERT that I do not recall placing. To date, I have been unable to remove this FRAUD ALERT. I've called the number only to get circled around in the voice mail XXXX. Several times it says I can place a freeze but I can't remove one which is exactly what the online data said. Every time I apply for credit that uses Equifax, they aren't able to process my application but it still counts as a hard pull on my credit report. I applied for a XXXX card 2 weeks ago and they weren't able to verify my identify and my credit score decreased 11 points just due to this. I've applied for credit four times in the last 2 years that uses Equifax including XXXX, XXXX XXXX and XXXX   and no one has been able to verify my identity and yet it still lowers my credit score but they never receive a report. Again, I've tried multiple times to remove this including the online system to no avail. The online system asks me my name, address, SS no, birthdate and then proceeds to tell me that they can't find my credit file BUT it asks me if I want to PLACE a credit freeze and actually will allow me to do so BUT to remove a freeze or FRAUD ALERT, they suddenly can't find my credit file. This is ridiculous! I've been trying to remove this ALERT since 2011 when I paid a {$40.00} application fee for an apartment but they couldn't get my credit file and of course I didn't get the {$40.00} refunded to me!!!! I WOULD RATHER HAVE MY IDENTITY STOLEN BY THIEVES THAN TO KEEP DEALING WITH EQUIFAX AND THIS FREAKING FRAUD ALERT WHICH I CAN'T EVEN GET REMOVED and since I don't know who is going to pull equifax, this is killing my credit score and I'm not being approved for anything. They responded that there is no security freeze but there is a fraud alert and this needed removing ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: TN

Complaint narrative:
We had a mortgage with XXXX XXXX XXXX, everything was fine until we had a wind damage insurance claim. the Insurance co ( XXXX ) sent us a check to be endorsed by us and the mortgage company on XX/XX/2018 in the amount of {$22000.00}. the rules kept changing on how to get the contractors paid. I got my insurance company to call five times to help get this problem resolved. I told them that I was going thru the Cal. DOJ if we did not get the checks. On XX/XX/2018, they sold my loan to Selena Finance XXXX XXXX XXXX XXXX. XXXX, TXXXXX, XXXX. I called Selena and they said a balance of {$9000.00} was transferred, However : no insurance or claim adjusters report were forward and Selena said, I could resubmit all the paper work again. I am aXXXX % XXXX XXXX veteran and my ceiling is falling down. I had the roof repaired and floor replace ( paid ) the ceiling and paint still needs yo be done. I have been back and forth since XX/XX/2018 and has cost me {$78.00} in mailing all this paper work. I am not going to do this again. I will send the appraiser cost for repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
This is my second time I have to ask you for help. Cooling & Winter is not responding to any of my communication again letting me know what the pay-off balance is. I have called several times and asked them to call me. I have also e-mailed several time and again no response. Cooling and Winter LLC web payment site still shows that I owe over {$1200.00} even though I should be done making the payments ordered by the court. I am worried if I stop paying they will try to pull that I owe all the money because that seems to be there practice not responding and demanding full amount.

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 2018-07-16 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: CA

Complaint narrative:
I have reviewed my results from the investigation regarding the XXXX/XXXX XXXX Account and I am still being reported inaccurately. The account is not past due, should say current, never been late and it's the showing the wrong balance. I am trying to get a loan to pay for emergency medical bills, but I can't due to this very delinquent account. Please correct my report as I have already waited over the 30 days and it was not done correctly. This inaccurate account was not corrected in the allotted 30 days, please delete this account from my credit report.

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 2018-07-16 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I WAS CHARGED ON MY AMERICAN EXPRESS GOLD DELTA SKYMILES CARD ENDING IN XXXX ON XX/XX/12 FROM A COMPANY CALLED THE XXXX XXXX FOR {$1900.00} AND I HAVE NO IDEA WHO THIS COMPANY IS AND NEVER AUTHORIZED THIS TRANSACTION AND NEVER DID BUSINESS WITH THIS COMPANY. I CALLED AMERICAN EXPRESS AS SOON AS I SAW THIS ON MY STATEMENT AND REPORTED THIS AS A FRAUD AND THEY TOLD ME THAT I WOULD GET THE CREDIT ON MY CARD AND I NEVER DID. THIS HAS BEEN AN ONGOING PROBLEM THAT THEY NEVER REFUNDED ME MY MONEY THAT WAS TAKEN FROM MY CREDIT CARD ACCOUNT. I AM NOW REACHING OUT TO YOU TO HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE AND THIS JUST ISNT RIGHT. I LIVE ON A FIXED INCOME AND I WANT MY MONEY BACK I NEED MY MONEY BACK. I AM A SENIOR CITIZEN. THIS CREDIT CARD COMPANY HAS BEEN SO MEAN AND NASTY TO ME IN THE PROCESS OF ALL THIS AND THEY SHOULD NOT TREAT THERE CLIENTS THIS WAY. PLEASE HELP ME..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: FORD MOTOR CREDIT CO.
State: TN

Complaint narrative:
This Ford Motor Credit account # XXXX has been " Paid-in-Full ''. The account is not in a " Payment Plan ''. It should be listed as " Closed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Ally Fincial Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 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: CA

Complaint narrative:
I have reviewed my results from the investigation regarding the XXXX/XXXX XXXX Account and I am still being reported inaccurately. The account is not past due, should say current, never been late and it's the showing the wrong balance. I am trying to get a loan to pay for emergency medical bills, but I can't due to this very delinquent account. Please correct my report as I have already waited over the 30 days and it was not done correctly. This inaccurate account was not corrected in the allotted 30 days, please delete this account from my credit report.

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