vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-26 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: KS

Complaint narrative:
As of today  XXXX   XXXX ,  XXXX , TranUnion shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of  XXXX   XXXX ,  XXXX .     I have received no bills, and have no idea what this is for. I have confirmed with the  XXXX   XXXX   XXXX  at  XXXX  that I owe no balance to them. That all charges that would appear as  XXXX   XXXX  have been paid and no balance outstanding since  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 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently changed banks, I had submitted my monthly payment to my capital  one  card and the payment was returned since my bank account closing went through right away. No one notified me on the payment returned. So, thinking that my account was in good standing I found out I had an illness and have n't been in my right sense. Was logging into my account today to pay my bill and it said it was closed. I call customer service and the lady was so rude, she belittled me. I told her about my illness and how I made my payment but because of my memory did n't submit my bank change and she said it was n't her problem and I can apply for a new card in the future and hung up! So now my account is closed when I have never been late for my payments!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Transunion Re : Request to Remove Unauthorized Credit Inquiry Dear Transunion, I recently received a copy of my Transunion credit report and I notice there is an unauthorized credit inquiries made by    XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into ( insert name of credit or ) inquiry to determine who requested this credit inquiry.    If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  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 2017-05-26 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: KS

Complaint narrative:
As of today   XXXX   XXXX   XXXX  ,  XXXX  shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of   XXXX   XXXX   XXXX       I have received no bills, and have no idea what this is for. I have confirmed with the  XXXX   XXXX   XXXX  at  XXXX  that I owe no balance to them. That all charges that would appear as  XXXX   XXXX  have been paid and no balance outstanding since  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: KS

Complaint narrative:
As of today   XXXX   XXXX   XXXX  ,  XXXX  shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of   XXXX   XXXX   XXXX  .     I have received no bills, and have no idea what this is for. I have confirmed with the   XXXX   XXXX   XXXX   at  XXXX  that I owe no balance to them. That all charges that would appear as   XXXX   XXXX   have been paid and no balance outstanding since   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 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Long ago-  (   XXXX   XXXX   ) - attempt at retrieving a credit report online ( Experian  )  was denied, required sending information by mail  XX/XX/XXXX  - letter sent back indicating that they could not locate credit information. upon reflection, it is clear that it 's because their system does not allow  1 le tter last names.    XX/XX/XXXX  - rental application stalled due to not being able to look up spouse 's credit report. Contacted experian to try to clear up the situation -- they tell me to send a document with the correct name. They tell me they will mark the request with a rush request to expedite the processing of the document.    XX/XX/XXXX  - Using the online system, uploaded copy of social security card showing the legal name.    XX/XX/XXXX   - ( c all to experian ) informed that the previous handler entered the wrong name due to not being able to enter a  1 lette r last name into the system. Explained to me that they can not fix the problem because the system does not allow  1  letter last names. However, even then they can not put in other names because it does not match the record from social security. They inform me that my best option is for legal representation to help with options or a legal name change, both which are ridiculous, because this should be treated as a bug with their system. Clearly the Social Security  Database  allows fo r 1 l etter last names, and they should still be at fault for not being able to provide me with the credit report.     Note, I was able to pull   XXXX   credit repor t (  but it did require me to contact the agency by mail, which is annoying )

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 2017-05-26 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: MO

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I sent a letter to  XXXX  requesting that they remove  XXXX  inaccurately reported  XXXX  late payments from  XXXX   XXXX  from my credit report. All  XXXX  of my federal student loans which were serviced by  XXXX   XXXX  were in forbearance at the time of the alleged late payment, yet for some reason  XXXX  of them are showing as 90 days late on my credit report. I included a letter I received from  XXXX   XXXX  in  XXXX  showing the dates of my forbearance which included  XXXX   XXXX . If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly  XXXX  " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all  XXXX  credit bureaus and they continue to confirm this information is accurate with  XXXX . I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.

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 2017-05-26 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XXXX XXXX XXXX I sent a letter to XXXX requesting that they remove two inaccurately reported 90-day late payments from XXXX XXXX from my credit report. All 8 of my federal student loans which were serviced by XXXX XXXX were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXX in XXXX showing the dates of my forbearance which included XXXX XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly XXXX " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with XXXX. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: MO

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX requesting that they remove two inaccurately reported 90-day late payments from XX/XX/XXXX from my credit report. All 8 of my federal student loans which were serviced by XXXX XXXX were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXX in XXXX showing the dates of my forbearance which included XX/XX/XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly XXXX " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with XXXX. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.

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 2017-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX I purchased the vehicle which was on the lot for {$20000.00}, with an interest rate of 17.96 % and other added charges the total amount of the loan was {$32000.00} with my payment being {$630.00}. Since XX/XX/XXXX after getting sick, placed on XXXX XXXX, I 've struggled with the payments, had a number of extensions, yet I 've still paid a total of {$39000.00}. At this time I 'm still having some financial woes and talked to them several times about refinance, to lower the payment, yet told that was n't possible. I feel at this point, having paid the total amount of the loan, plus an additional {$7000.00} this debt should be written off as paid in full.
When speaking with XXXX XXXX on the XX/XX/XXXX, they 're saying I still owe approx 13,000.00, if asking about a pay off, 10 day pay off at that time was quoted as {$12000.00}. I am really in need of this matter being resolved as stated, PAID IN FULL.

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 2017-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
Fay Servicing is  threatening me with a foreclosure sale date on   XXXX   XXXX  , even though this is a government insured FHA loan with multiple options for resolution. They have failed to conduct a review of my current financial circumstances, they have failed to assign a single point of contact and they have failed to offer the option of  Occupied Conveyance.  They have failed to abide by the FHA guidelines by refusing to review our current financial information and considering us for modification, partial claim, special forbearance or even a repayment plan. Instead  Fay Servicing  has served as judge, jury and executioner and moved to restrict our options so they can repossess our home. This is an avoidable foreclosure. We make sufficient income to afford our mortgage payment, the issue is addressing the missed payments when I was sick and unable to work. But  F  ay Servicing does n ot seem to care. This is not acceptable, this is not right and this is not legal!!     We purchased this home just a few years agowe were married in the backyard!! I live here with my wife and our  XXXX  daughter. My problems began when I became afflicted with a   XXXX   XXXX   XXXX   and was unable to work. I applied for  XXXX  assistance and eventually was approved but this was much lower than my normal pay. When I went back to work, I was soon out again due to  XXXX   XXXX   XXXX . During this period I began missing mortgage payments and tried to apply for help to resolve this matter. I could not make any progress, and the loan ended up getting transferred. For a period of two years I continued trying to apply for help -- -I was making payments as I could, which Fay Servicing accepted. At  one  point in time we were told that we had been approved for a modification. However, we never received any paperwork, and despite multiple attempts to follow up with their loss mitigation department, never got anything in writing.     As we sit facing foreclosure, I am back working full time as is my wife. Additionally, we have an   XXXX    daughter and receive a stipend from the government for her care. We have MORE than enough income to afford a fair and reasonable payment. However, the only option that is being offered is to repay all missed payments all at once. I cant reinstate the loan in  one  lump sum. But I CAN afford my mortgage payment, if Fay Servicing would give me the chance to be considered for the government programs that are available for FHA homeowners.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In  XXXX  of  2017  when i reviewed my credit report, I noticed my Best Buy credit card balance was over the limited. When i called Best Buy/CBNA credit card to inquire the reason for the over the limit credit card balance the customer service representative,  XXXX , informed me a promotional offer expired and the interest was added to the card. I explained to  XXXX , i was not given notice about any promotion expiring and never received any mail regarding this information.  The CBNA representative was not helpful and refused to give me any information about the promotion.

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 2017-05-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America, Your company has been falsely reporting three accounts that are due to identity theft. A mortgage loan, home line of equity, and a personal credit card through your bank. I had started to dispute these items once i saw them on my credit report after obtaining credit after turning XXXX years old. As of XX/XX/17, Bank of America, has resolved my disputes against these claims of identity theft and has cleared them off my XXXX and XXXX report. These accounts are under a different name, with my SSN, opened years before I had turned XXXX. BOA seems to have noticed the inaccuracies since they were deleted off XXXX CRA 's, but XXXX is still reporting. I disputed the Line of Equity and Mortgage that remain on my XXXX credit file on X/XX/17 only to be contacted by BOA saying the accounts are accurate. When I call BOA the fraud line representative advises there are no accounts anymore with my SSN in the system. Which is why he advise I dispute, and the accounts should come off since they are not in the BOA system anymore. However, after I disputed again they 're verified somehow and being reported still as fradulent and whenever I dispute the claim comes back as " remains '' on report. I have sent in my police report, SSN, CA drivers license, and proof of identity. It seems BOA acknowledges that these accounts are not mine but will not remove them from reporting to XXXX only. XXXX advised me they have not received any updated reporting status to delete these accounts, and BOA is still reporting as OPEN.

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 2017-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
I applied for a short sale of my home and was notified that I was placed into review for homesaving options. I assumed that this was a requirement of the Investor of my loan, however I have now been advised that it is not. On   XXXX   XXXX   I was advised that my file had been denied for loan modification options - though I did not apply for a loan mod, then was advised my file would be placed into short sale review as I originally requested. On   XXXX   XXXX   I submitted the required short sale documents and was then advised that a property valuation would be ordered. My listing agent and his negotiator have been notified that a valuation needs to be completed and an appointment has been set, however the sale date is still active for  X/XX/17   . My single point of contact states that the sale date is not showing, however the foreclosure attorney states that there was no hold placed on my file by their client. How is this possible? Why would an active sale date be set for a property in review for short sale? Why was my home reviewed for a modification instead of the short sale I requested? I am attaching my original application I submitted and the short sale acceptance letter I received from Bayview Servicing. According to CFPB guidelines : Restricted Dual Tracking : Under the CFPB 's new rules, dual tracking - when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers must not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent. This will give borrowers reasonable time to submit modification applications ; Servicers must not start a foreclosure proceeding if an application is pending for a loan modification or other alternative to foreclosure.Why would this continue if I was actively being reviewed for a loss mit option? Why was I told that my loss  mit review wo uld continue after being denied for a loan modification I knew I was not going to be approved for in the first place? Why was I not placed into short sale review as requested per my Loss Mitigation application? I would like to be allowed to be reviewed for Short Sale as originally requested on  XXXX  via my completed loss mitigation application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I 've been a c lient of Capital One for  over 5 years. On  XXXX   XXXX     2017  while checking in to a hotel both of my credit cards were declined. I ca lled Capital One customer service. They said there was nothing they can do at the present time and that I wo uld have to wait till the morning for another department to open. I told the cu stomer support representative that I was in the middle of nowhere and was trying to check into a hotel. I was forced to sleep in my car. The next morning I called customer service and spoke to someone at the executive d epartment. They told me that a letter was sent out on  XXXX   XXXX  and on  XXXX   XXXX  they closed my account. What major company does that t o Consumers and give them no fair warning they are closing their accounts. What if I was out of the country stuck with no money. This should not be legal for them to do this to me or any other client they have. There should be a class action lawsuit against them. I never missed a payment and over paid my monthly minimum payments. Sometimes I make double payments.

Company response to consumer: Closed with explanation