vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-16 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: IA

Complaint narrative:
I disputed a debt to XXXX XXXX XXXX regarding a XXXX cell phone bill. I explained that I was part of an ongoing billing dispute that was being reviewed by XXXX 's corporate office for 1.5 years. Eventually, the company issued a credit of over {$700.00} to me in XX/XX/2017 but that did not fix the ongoing problem. XXXX reassured me that they would issue the credit to my account. However, I received notice that the bill was sent to a collection agency. I called XXXX who issued an additional credit and told me that they would remove the account from collections. We reached a billing agreement and I paid the difference after they issued the final credit. The payment confirmation number is XXXX.I had a representative from XXXX call the collection office with me to explain that my account should not have been sent to collections but the collection agency refused to speak with the XXXX representative . The account was removed from my credit report but have recently reappeared. If this matter is not resolved I am going to seek legal counsel to assist me. I am in the process of applying for a mortgage and I am unable to because this keeps reappearing on my report. I feel like my rights have been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: IA

Complaint narrative:
I disputed a debt to XXXX XXXX XXXX  regarding a XXXX cell phone bill. I explained that I was part of an ongoing billing dispute that was being reviewed by XXXX 's corporate office for 1.5 years. Eventually, the company issued a credit of over {$700.00} to me in XX/XX/2017 but that did not fix the ongoing problem. XXXX reassured me that they would issue the credit to my account. However, I received notice that the bill was sent to a collection agency. I called XXXX who issued an additional credit and told me that they would remove the account from collections. We reached a billing agreement and I paid the difference after they issued the final credit. The payment confirmation number is XXXX had a representative from XXXX call the collection office with me to explain that my account should not have been sent to collections but the collection agency refused to speak with the XXXX representative XXXX The account was removed from my credit report but have recently reappeared. If this matter is not resolved I am going to seek legal counsel to assist me. I am in the process of applying for a mortgage and I am unable to because this keeps reappearing on my report. I feel like my rights have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: Global Lending Services LLC
State: TX

Complaint narrative:
I was in a major accident and my vehicle was deemed a total loss. Ultimately the other driver was at fault and their insurance company paid out a large settlement to Global Lending Services. I also had Gap insurance which paid out and a refund should've been processed for the remainder of my extended warranty. This was not done resulting in me having a negative remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I was in a major accident and my vehicle was deemed a total loss. Ultimately the other driver was at fault and their insurance company paid out a large settlement to Exeter Finance. I also had Gap insurance which paid out and a refund should've been processed for the remainder of my extended warranty. This was not done resulting in me having a negative remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
ON XX/XX/2018 I submitted a CFPB complaint asking that Santander provide me a copy of all three pages of my note showing where I accepted a Daily Simple Interest loan. Twice I have called the company and requested all three pages of my note ( which would include the term and conditions ) so I can review and feel comfortable that they had the right to charge DSI rate which extended my maturity date 8 months due to deferred payments and another 14 months due to having a balance at the end of my term of {$6000.00}. I have attached my original request and their response. In reviewing their response I still do not see where I signed for a DSI loan. That is all I asking for is proof that this is what I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2018, I opened a checking account and a savings account at PNC Bank on XXXX XXXX. in XXXX XXXX section of XXXX, PA. I deposited 2 checks from my former employer drawn from their XXXX XXXX XXXX business account. My former employer is a nationwide company with more than 10, 000 employees. 

XXXX XXXX was the banking professional who open my accounts. I informed XXXX XXXX that I will need to have access to at least {$100.00} that day or I will need to explore other options. XXXX XXXX assured me that I would have access to at least {$100.00} by XXXX that night. At XXXX that night I did not have access to any funds that I deposited. Also, I did not have access to the online banking system as a result of not receiving adequate information regarding the " User ID Link ''. Which is a substitute for the Customer 's SS Number. 
The next morning, Thursday, XX/XX/XXXX, I contacted the Help Desk and I was informed of some special code to use which was not in my documents. I then called XXXX XXXX and he informed me that I had {$200.00} available in my checking account and {$200.00} available in my savings account. I verified this information by checking the online banking system. In that moment I attempted to pay my cell phone bill and the payment was declined. I then called the customer service were I was met with the worst customer service I've ever experienced. I was told that a hold was placed on my accounts. I informed them of the information the branch and the online banking was reporting. So in a matter of 15 minutes I went from having access to {$400.00} of the more than {$18000.00} I deposited to having access to {$0.00}. Also the hold time went from 5 to 7 days to now I will have access to my funds on XX/XX/XXXX after I informed the bank that I will be closing my account. The manner in which the access and holds were escalated appear to be retaliatory in nature.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have been a XXXX 's Credit Card holder for almost two years when my account was closed by XXXX 's Citibank without them contacting me. A few months ago I was going over my credit report and noticed there was an account opened in my name from CBNA/SEARS I went and file a fraudulent claim on all three credit bureaus and CFBP. That Sears account was closed. A month or so later I received a letter saying my XXXX  account was closed. It was closed on the exact same day as the fraudulent Sears account. Citibank Retail Services closed my XXXX account because I disputed a fraudulent account from Sears, that had absolutely nothing to do with my XXXX. I hav called and called and called and every last representative tells me there is no reason or they can not tell me why my account was closed. It is a company rule not to disclose that information over the phone. My XXXX 's account is not fraudulent I did not report it as such and it should have never been closed. This is wrong on many levels. I have been dealing with alot of ID fraud and it is overwhelming as is I shouldn't have to deal with losing my accounts that I have not disputed. Later I found out that Citibank Retail Services also services XXXX 's so they just closed everything because of my dispute. There was also a checking account opened in my name which I have attached the information as well whomever opened this account submitted payments to several accounts of mine and all the payments were returned. Payments were sent to The fraudulent Sears Account and my XXXX 's along with several others. All of this was happening at the same time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX is the collection agency attempting to collect on a " Re-Aged '' account. There has never been any activity on this account but the collection agency sought to make it appear falsely to have recently had activity to falsely make the debt appear to be current. they falsely claim the debt Opened, XX/XX/XXXX ( 6 mos ) when in fact the debt was originally with XXXX XXXX XXXX XX/XX/XXXX and was successfully resolved with them verifying the debt was not owed, and then removed form the credit report. XXXX purchased the file ( probably along with numerous others ) and sought the action without verifying the debt was owed. 
I contacted the collection agency and demanded verification of the debt, I contacted the collection agency and demanded the proof the purchased the debt, I demanded the collection agency remove the debt form negatively affecting my report. I filed these documents directly in writing over 3 mos ago and they have failed to respond timely as is required, and failed to act upon the duties held under Fair Credit collection act. 
I wrote to the collection agency the following : If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have Already done so ), also report that the debt is disputed. 
I also spoke with XXXX who indicates they reflect no such debt outstanding in their records, the resolve with XXXX was that they had continued billing after move out date and stop service notification. The Michigan Public service Commission also helped to resolve the claimed bill owed as I remember, XXXX XXXX The following is appearing on my report : ( XXXX ) XXXXLast reported : XX/XX/XXXX {$160.00} Needs Attention Account status- Open Type -- Responsibility - Individual Remarks : Account information disputed by consumer, meets FCRA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Today, I applied online for a XXXX XXXX XXXX credit card. To complete the process I was required to call a toll-free number. A customer service representative reviewed my information and then asked for my social security number. I stated that I was advised never to give my social security number over the phone and I would never do so. I made three more calls and spoke to several other departments at XXXX XXXX, and got the same answer. They documented my remarks and said that they would refer them to a higher level and said my application was cancelled. I asked if the information I submitted online would be deleted and they said no. I told them I believe this is a violation of consumer rights and the practice should be stopped. No one should be required to give a social security number on the phone. And when an application is cancelled that information should be deleted from their database.

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 2018-06-16 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: CA

Complaint narrative:
In XXXX I opened a credit acct with XXXX XXXX XXXX. In XXXX I was unable to pay the balance of the card. XX/XX/XXXX was the last payment. In XX/XX/XXXX they sold the acct to XXXX XXXX. XXXX XXXX listed the acct as a charge off/collection. XXXX XXXX XXXX is still displaying that I failed to pay in XXXX and it has it listed as a charge off in XXXX. This is not true. It was sold and closed in XXXX. If this acct is closed why are they still putting adverse remarks on my report. Not only is it listed as a derogatory mark with XXXX XXXX, it is also in collections with XXXX XXXX leaving two negative marks on my report. I have contacted both Expirian and XXXX XXXX XXXX,. XXXX XXXX said they sold the acct to XXXX XXXX and to contact them..SO not only are they putting adverse remarks on a closed acct but they are listing this debit as two different debt. It is not.

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 2018-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi computer systems misrepresented the amount due and instigated auto payments when in fact they had been paid and the account showed a zero balance. Auto payments resulted in {$54.00} in NSF fees to which Citi 's response was " present our letter to XXXX and maybe they will refund the NSF fees ''. 

Details in attached letters, Citi statement and XXXX and XXXX statements. 

I did reach out to XXXX and they did (! ) refund the NSF fees. That's a mystery to me.

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 2018-06-16 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: AES/PHEAA
State: TX

Complaint narrative:
XXXX XXXX reporting ( 3 ) late payment I have notices on my credit report with XXXX, XXXX, and XXXX. Which dates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not been late, my student loan was in forbearance at the time. In XX/XX/XXXX I called in to update my personal contact information such as my new address, phone number, and my new phone number as well. They didnt not put it there system like they should have. I had no idea I was late & my loan was not in forbearance until I pull my credit report & seen that my account was late. This is not my fault, they should have updated my contact information when I request it to be over the phone with an XXXX customer service agent. So they had no number on file or email nor a correct address on file for me. So I called XXXX XXXX multiple times about my account with those late payment. I ask them several times to correct this information, because it is hurting my credit scores. They refuse too. So then I spoke to their XXXX XXXX / AES attorney XXXX XXXX XXXX XXXX, XXXX. He explain to him my story, he told me that they will look into it & correct the late payments on my account. I have not heard back from him. I been speaking to their attorney from months since XX/XX/XXXX. They have not correct those late payments yet. This becoming very aggravating & I feel like they are taking a vantage of me. I wrote letters, made phone calls too them, even spoke to their attorney as well, and they still fail to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. Upon receiving notice that my loan had been transferred, I received a new list of servicing costs from XXXX XXXX XXXX. The fees now being charged for basic services have all risen drastically. In one case -- fees charged to litigate a claim against me -- has gone from {$350.00} to {$20000.00}. Another fee -- the fee charged to compensate attorney for services rendered -- has gone from {$30.00} to {$35000.00}. I do not foresee the need for either of those happening, but it certainly would be a serious issue were I to need to file a case against my loan servicer. Additionally, even the fees I need to pay if I wanted to refinance and get away from XXXX XXXX ( e.g. appraisal fee, inspection fee, lien release fee ) have all gone from {$0.00} to several hundred dollars.

I was not consulted when XXXX XXXX sold my loan. I am now with a company that clearly wants to keep me as a customer by making my switching costs extremely high. This is completely ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: NJ

Complaint narrative:
Capital One closed my credit card after a return payment was submitted to them. The payment that was submitted was submitted from an account that was opened up fraudulently. I called Capital One and told them that I did not send the payment and to please open my account up as this was a fraudulent ordeal. I told them that I would send the paperwork from the bank and from USPS Postal General. I just want my account back. I haven't heard back at all from Capital One. With this ordeal my credit balance is double its limit and I am in the process of paying the money back as we speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Repeatedly calling same friends and relatives regarding my debt. Leaving messages on their phones that I am facing legal action. I called and spoke to a supervisor to request they stop calling friends and relatives but they do not stop. They have called multiple people more than 3 times. The supervisor told me that they do background checks online and they can call anyone who is listed in my background check report. I thought companies could only call third parties once and they couldnt leave messages stating I am facing legal action? The third parties did not ask them to call back, and actually asked them to never call again. But the calls keep happening. When I answer their calls their reps always threaten legal action and use intimidation tactics telling me that I have until XXXX to respond or legal action will commence immediately. This has been going on for many months. I am being harassed by a new agent every three days, as per their internal policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: Midwest Loan Services, Inc.
State: CA

Complaint narrative:
I was recently denied a mortgage, unable to secure a HELOC for home improvement and other necessities. Upon pulling my report, I discovered that my score has dropped drastically due to five months  of this account reporting as 30 days late, although I have never once been 30 days late. This has been extremely distressing for my family.

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 2018-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has now been more than seven years since my negative accounts reported on EXPERIAN were last active. 

By law these accounts should be removed from my credit report. These accounts were sold to sleazy third parties that FALSELY made an account entry to create a false last active date.

Last XXXX I disputed these accounts and the only thing Experian did was to check with the sleazy third parties to see if their false entries were valid ; of course they said, Yes. Today I tried to dispute these accounts again and I was informed that by law I can not dispute an account that has already been disputed.

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