vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My payment on my Capital One bank credit card will due every XXXX of the month, and I never have had a late payment. This month I was having a financial problem and I called Their customer representative ( XXXX ) to help me out to move my payment date on XX/XX/XXXX, instead of XX/XX/XXXX because my income finances will come on XX/XX/XXXX. I also asked to lower my minimum payment to a {$100.00}. They refused to help me because of they said company policy. They said it will happen but it will reflect after two months. I said I don't need their help that time because my due will be on XX/XX/XXXX. I asked for the manager and The customer representative passed it to their senior supervisor by the name XXXX # XXXX, I asked her to do it for me but she said she can not do anything about it because of their policy. I asked her someone who is more higher to do it but she said she is the highest phone person to talked to, so it means no one can help me but her. I asked her for her consideration because I was a good customer with them but she kept on saying it's their policy. I told her I will file a complaint but she just intimidated me and she said what I am going to complaint? for making a payment late she said. I called them for their help so I could prevent a charged fee and a bad credit history but it seems like their customer service is not real.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I have loans with XXXX in the amount of about $ XXXX.Everyone knows that when you leave school, or graduate you will get a XXXX  month grace period before payments are due. I received XXXX grace period back in XXXX. I then recently left school again in XXXX of XXXX. I believed that I had another grace period, as the Master Promissory Note does NOT state that there is only XXXX XXXX grace period per loan. Once I realized that Nelnet has been reporting to all credit bureaus that I have been missing payment, and tanking my credit score, I reached out to them via email on XX/XX/XXXX. I was then told you only get one grace period. I asked that they send me a copy if the MPN I signed stating that. The document they sent me does not state only XXXX. It just says " a grace period ''. I responded and let them know this, and they asked that I call. I called on XX/XX/XXXX and the rep tried to reiterate the XXXX grace period policy, and I told her that the XXXX does NOT say that. She put me on hold several time while her and her supervisor tried to find where it states it. They could not. I was then told I had to send an email to XXXX to escalate my issue. I did so on XX/XX/XXXX. I received a call the next day I believe and was told that because my student loans are consolidated, I don't qualify for a grace period at all. I asked where that is written and I signed it, and he told me that the MPN for the consolidated loans does not mention grace periods at all, and I should have known that I did not get one. I said that lack of information is both unfair and misleading when all other loans do get a grace period. So why wouldn't I think it would also apply in my case. He basically said I should have known. I do not think this is fair and I just want them to report correctly to the credit agencies that I am not late on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: GA

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX ( which is managed by XXXX ) in XX/XX/XXXX. I was employed by them currently. I didn't know that I had this debt until XX/XX/XXXX. I called XXXX XXXX XXXX and asked what the cost was, I thought it was a final water bill. They look it up and was told it was my employee discount. I asked for a dispute. I called XXXX XXXX XXXX XXXX and spoke to the manager XXXX and she said that she would be waiting for them to call and would take care of it for me. I called XXXX XXXX XXXX again to let them know, they were able to take care of it from XXXX. I wasn't aware that I needed it to be disputed from all XXXX beaus, I thought it would be automatic. I have been looking at this since XXXX and filing disputed with TransUnion only to find out that it doesn't matter. It can not be removed, and they do not communicate. I do not owe this debt. Please help me. It's ruining my credit and XXXX XXXX XXXX should have contacted the TransUnion to have it removed.

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 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
I was a XXXX customer until 2017 when my account was compromised as many others and someone tried to purchase 2 XXXX products under my account. The fraud department contacted me about this and we proceeded with an investigation. It was later proven as XXXX very well knew, that this was order was placed under suspicion of identity theft. I left sprint shortly after for safety issues. They are now saying that I owe for past due and for 2 XXXX  products. The account was sold to Convergent Outsourcing. This is how I found out that XXXX was trying to charge me as well for the two XXXX  products I never had with XXXX. I have had 3 XXXX products with XXXX which I switched to immediately after XXXX had the security breach in 2017.

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 2022-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Citi called my phone as I was returning from XXXX and said that someone had tried to use my card in XXXX. She said there were XXXX charges. Afterward, I get an e-mail informing me that I authorized a wire transfer fraud. After calling Citibank, I waited on hold for hours to explain what had happened. The wire Fraud dept said they got over XXXX people that day. It took them until the next day to reach me. They had me contact the Citibank wire fraud department. I need my money and I have been waiting patiently. Despite my patience, I never heard from anyone regarding the money.

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 2022-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
EXPERIAN continues to violate my as a federally protected consumer. This is my second complaint about this matter. I was denied for XXXX credit cards I applied for because EXPERIAN furnished accounts with high credit utilization on my credit report without my written instruction to do so. Pursuant to the FCRA, 15 USC 1681, credit reporting agencies ASSUME the role of reporting. Their assumption has caused me to XXXX denials of my own credit further causing me much mental, emotional and financial distress.

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 2022-02-11 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: TX

Complaint narrative:
I have initiated several disputes since XX/XX/XXXX to the three credit bureaus regarding an alleged charged-off account on my credit report, original creditor XXXX 's XXXX XXXX furnished by XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX XX/XX/XXXX and XX/XX/XXXX, per Section 609 ( a ) ( 1 ) ( A ) to have the alleged account verified. I was informed they had no documentation of the account. They then transferred me to XXXX XXXX XXXX  whom the alleged debt was sold too and collected on for reconciliation. On XX/XX/XXXX I spoke to XXXX ID XXXX whom stated the account was closed due to me filing an identity theft report back in XXXX. Their was no documentation that could be sent to verify the account, not even statements. I then reached out to XXXX XXXX XXXX  again on XX/XX/XXXX because the credit bureaus did not do a proper investigation into getting this account deleted. Instead, their are repeatedly updating the account monthly and stating the account was " verified ''. How is it being verified if the creditor ( s ) have no documentation to prove such account according to FCRA. I was NEVER sent any documentation over the past 6 years. I had no clue of XXXX XXXX XXXX. I spoke with 2 agents on XX/XX/XXXX XXXX ID XXXX and ID XXXX which both stated the account was PAYED IN FULL and the credit bureaus did not reach out to them regarding an investigation. They alliterated to me of account under fraud investigation due to me reporting identity theft years ago. I even offered to pay % 50 of the account due to them dropping my scores over 100 points since XX/XX/XXXX and they were unwilling to take payment due to the status of account. In conclusion, the bureaus did not do a proper investigation over the course of reconciliation.

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 2022-02-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CBC Mortgage Agency
State: CO

Complaint narrative:
On XX/XX/2021, I first notified CBC Mortgage/Chenoa Fund of difficulties I was experience with a lender that the approved to use their Chenoa Fund XXXX XXXX XXXX mortgage and asked for assistance. 

The company ignored this email. 

On XX/XX/2021, I sent a follow up email, advising CBC Mortgage of my situation and of the complaints that had since been filed with the CFPB and AZ Dept of Insurance and Financial Institutions, where the primary lender/loan officer is located. 

I sent a third request to XXXX Mortgage on XX/XX/2021, with even more information and additional supporting documentation of the serious issue at hand with the original mortgage. 

I have since then called and spoken with XXXX XXXX, who advised that the company denied my request to have them remain in the subordinate 2nd lien position while I refinance my loan, as suggested by AZ Dept of Insurance and Financial Institutions to rectify the issues surrounding the original mortgage settlement. XXXX has not provided any additional information as to why my request was denied, even though I both called and emailed requesting for a specific reason that my request is not inline with their own policy, as it appears to be the exact situation their policy covers. 

I believe that I am well within compliance for the policy to receive an exception from CBC Mortgage to have them remain in the subordinate 2nd lien position as I refinance as it has been discovered discovered that the original loan has a loan defect, and according to their own policy, CBC Mortgage would subordinate to this refinance, as a cure to the defects in the original loan. 

The defects and neglience of the original lender/loan officer has been documented and reviewed by AZ Dept of Insurance and Financial Institutions and the original lender themselves ( XXXX XXXX  ), agree that there were defects in the handling of the original mortgage loan and settlement. The original lender, has so far corrected some of the defects, and covered expenses to do so and we are hoping they will continue to do more to correct the remaining issues.

CBC Mortgage/Chenoa Fund seems to not hold themselves accountable to their own policies and I am asking another government entity to review and intervene.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: AZ

Complaint narrative:
I have submitted numerous times with Experian, and sent documentation showing a collection account was paid off, and it still is reporting as otherwise on my credit. I also have asked them to remove hard inquires that should have fell off back in earlier 20221. 
They have not responded or fix the issue. My credit report is in accurate and has stopped me from getting 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 2022-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: WA

Complaint narrative:
I've contacted Sallie Mae multiple times over my loans no longer being deferred. While most loans have been reverted to in-school status with the bill-due removed to in-school status, one has not. I've contacted Sallie Mae multiple times through the phone and their chat service, attempting to resolve this issue as quickly as possible to continue making my in-school payments ( {$25.00} a month ). I've been working hard to increase my score over time and was disappointed to see my score affected by the lack of support from Sallie Mae on an issue that their system is having. I am told that their system shows that I was not in school, but that is inaccurate, as I was in school during the fall and summer quarters. I have made sure that my deferment status would not be affected and picked a graduate program with a start date that would not affect my loans. 
This is not the first time Sallie Mae has removed me from in-school deferment, and I had to call them before to fix this issue. I can't be {$400.00} past due when my in-school payments are {$25.00}. My overdue balance would take many months to reach {$400.00}. 
Sallie Mae has repeatedly told me to " wait 3-5 business days and call again, '' and I've been doing that constantly for months. They have no way of tracking a claim, or how to fo follow-up on an issue. They do not send emails about the progress of the claim either. I have been making payments for months without any problems, but I will not pay an out-of-school balance when I am still a student. Sallie Mae has all the necessary call and chat logs. I am ready to submit all the documentation needed to prove my case.

I have submitted the statements showing that Sallie Mae had removed me from in-school deferment and then put me back to an in-school status but never removed the {$300.00} payment. I have also attached a screenshot of one of the many times I have been told to wait while my credit score gets affected. 

Thank You

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have inquiries that I didn't authorize and don't recognize. I called the reporting agencies who and they are saying I need to file a dispute with CFPB. I am doing so no XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have inquiries that I didn't authorize and don't recognize. I called the reporting agencies who and they are saying I need to file a dispute with CFPB. I am doing so no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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