vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX/XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX/XXXX along with a notarized affidavit claiming fraud. XXXX/XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX/XXXX   to close their files which have any information with my name & social on it ...

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 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXX/XXXX XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX XXXX/XXXX XXXX   along with a notarized affidavit claiming fraud.XXXX XXXX/XXXX XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX XXXX/XXXX XXXX to close their files which have any information with my name & social on it ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midwest Recovery Systems
State: AR

Complaint narrative:
ONCE AGAIN MIDWEST RE-INSERTED THEIR ACCOUNT BACK INTO MY XXXX CREDIT REPORT AGAIN! WE HAD A SETTLEMENT AGREEMENT NOT TOO! ALSO COLLECTING ON ZOMBIE DEBT 6 YEARS IN ARKANSAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I love the fact that Big Banks and even smaller banks have to answer to CFPB about the various complaints that your everyday consumer has to contend to. With close to {$1200.00} in my account BBVA Compass Bank made a choice to freeze my account and after waiting for someone in their Corporate Investigations department I am requesting that my money be mailed and all fees adjusted and a cashiers check be mailed to me as agreed by XXXX. The reason for this complaint is this, Is it ok for a bank to retaliate against a customer that filed a complaint against them for not being in compliance with REG E. Many people that have been victims of Identity Theft ( Such as myself ) are being denied permanent credit for charges I did not make or authorize! I understand this is a smaller bank but they are operating in the US but there are many complaints that BBVA has been in violation of Reg E : Congress passed the Electronic Fund Transfer Act ( EFTA ) in 1978 to protect consumers engaging in electronic fund transfers ( EFTs ). The law provides the legal framework for the rights, liabilities, and responsibilities of participants in EFT systems that consumers use such as automated teller machines ( ATMs ), debit point-of-sale terminals in retail stores, and automated clearing house ( ACH ) transactions such as electronic payment of a creditors bill from a consumers checking account. Regulation E implements the EFTAs requirements. 

Among its provisions, Regulation E specifies procedures that institutions ( including BBVA Compass ) must follow for investigating and resolving errors alleged by consumers for EFTs, such as an unauthorized ATM withdrawal. The regulation also specifies the extent to which a consumer can be held liable for unauthorized EFTs. To facilitate compliance, this article reviews the regulations error resolution and consumer liability provisions. 

ERROR RESOLUTION PROCEDURES : 12 C.F.R. 1005.11 Section 1005.11 sets forth the procedures financial institutions must follow after receiving notice from a consumer of an error for an EFT. Before discussing these procedures, it is helpful to identify issues that are deemed errors. Under 1005.11 ( a ), the term error includes : An unauthorized EFT or Debit Transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THERE'S SEVERAL ACCOUNT IN MY CREDIT REPORT ITS BEEN 7 MONTH I BEEN SENDING LETTER REQUEST PROOF THAT ALL THOSE NEGATIVE ITEMS IS NOT MINE ALL THRE CREDIT BUREAU NOTHING WAS DONE. XXXX, XXXX, EQUIFAX ALL THEY KEEP SEND ME YOUR FILE WAS VERIFIED AND UPDATE NO DOCUMENT WAS SENT TO ME PLEASE HELP ME A LOT OF INQUIRY IN MY CREDIT I EVEN SENT LETTER TO THEM NOTHER WAS DONE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THERE'S SEVERAL ACCOUNT IN MY CREDIT REPORT ITS BEEN 7 MONTH I BEEN SENDING LETTER REQUEST PROOF THAT ALL THOSE NEGATIVE ITEMS IS NOT MINE ALL THRE CREDIT BUREAU NOTHING WAS DONE. XXXX, TRANSUNION, XXXX ALL THEY KEEP SEND ME YOUR FILE WAS VERIFIED AND UPDATE NO DOCUMENT WAS SENT TO ME PLEASE HELP ME A LOT OF INQUIRY IN MY CREDIT I EVEN SENT LETTER TO THEM NOTHER WAS DONE

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 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THERE'S SEVERAL ACCOUNT IN MY CREDIT REPORT ITS BEEN 7 MONTH I BEEN SENDING LETTER REQUEST PROOF THAT ALL THOSE NEGATIVE ITEMS IS NOT MINE ALL THRE CREDIT BUREAU NOTHING WAS DONE. EXPERIAN, XXXX, XXXX ALL THEY KEEP SEND ME YOUR FILE WAS VERIFIED AND UPDATE NO DOCUMENT WAS SENT TO ME PLEASE HELP ME A LOT OF INQUIRY IN MY CREDIT I EVEN SENT LETTER TO THEM NOTHER WAS DONE

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 2019-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
CAPITAL ONE BANK USA is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to CAPITAL ONE BANK USA along with a notarized affidavit claiming fraud. CAPITAL ONE BANK USA is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like CAPITAL ONE BANK USA to close their files which have any information with my name & social on it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
The problems began more than a year ago when I asked for a loan modification. I could not afford the payments as they stood. The loan modification was completed and granted, however, the payments on the mortgage loan increased causing further delay in making the mortgage. I called the mortgage company once I received the loan modification and was given a contact person to discuss the loan modification. I called and left messages 5 times to no avail, and did not receive a return call. We are now in a short sale situation and again, I am having issues with this company. I have asked on seven separate times, either through email, or personal contact by phone, for a payoff statement amount and a short sale package as we have a buyer for the home. My last contact with them was XX/XX/2019 and XX/XX/19. Both times I was told that I would receive my requested information by the end of the day, and both days I did not receive the requested information. I have read many customer reviews relative to complaints to this company and find their treatment towards me is typical. Last night, XX/XX/2019, I again called the company at XXXX XXXX and asked to speak to the manager. After an extremely long wait I did speak to a manager and was informed that Loss Mitigation needed further documentation from me, however they did not address my numerous requests. They requested that I provide them with a listing of the property and the sales contract, which they did not request after I contacted them 7 times ago. But it appears to me that if I don't provide them with the documentation they have requested, they will not send me the information that I need, sort of blackmailing me. I can not provide them with a copy of the sales agreement until I have the information that I initially requested. I have contacted my realtor and am waiting for a response from them. May of the complaints I have read indicated that the company consistently requests further information in the form of documents, thus slowing down the process, and I feel this is happening 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 2019-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Midwest Recovery Systems
State: AR

Complaint narrative:
XXXX XXXX SOLD MY DEBT TO XXXX XXXX XXXX, TO WHOM SOLD TO XXXX AND FINALLY MIDWEST RECOVERY SYSTEMS, TO WHOM SETTLE FOR . AND THEY KEEPING CALLINGS AND SHOW UP ON XXXX AGAIN. STOP CALLING MY MOTHER XXXX XXXX XXXX AT CELL.THEY KEEP VIOLATING " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Debt Holdings, LLC
State: AR

Complaint narrative:
XXXX XXXX SOLD MY DEBT TO UNITED DEBT HOLDINGS, TO WHOM SOLD TO XXXX AND FINALLY XXXX XXXX XXXX, TO WHOM SETTLE FOR . AND THEY KEEPING CALLINGS AND SHOW UP ON XXXX AGAIN. STOP CALLING MY MOTHER XXXX XXXX XXXX AT CELL.THEY KEEP VIOLATING " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter to Transfinancial Companies in which they didnt respond. So, I proceeded to send a letter to the Credit Bureaus in which they stated they validated that it was mine, however during the verification process they still didnt send me anything with my signature to prove that the debt was mine. The debt is in the XXXX of {$640.00}. This is a violation of HIPAA because Im allowed under HIPAA to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPAA does allows the release of limited information about me but with the patients authorization. Therefore my request was twofold-validation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In late XX/XX/XXXX/early XX/XX/XXXX I was sent a solicitation from Citi /  AAdvantage Platinum Select World Elite XXXX inviting me to apply for a credit card in which I would receive XXXX bonus miles if a spent a certain amount of money on their card over a certain period of time. I completed the application, it was accepted and a new credit card was sent to me. 

I then spent the required amount using their credit card. However, I was not given my bonus miles. When I inquired about this with the company, I was told " Terms and conditions state Acquisition Special Offers will not apply if customers have existing accounts in the same product approved or closed within the last 24 months. '' Apparently, I had previous had this card and closed the account in XX/XX/XXXX. 

While I agree this is a reasonable policy and I agree it is stated in the fine print in their offer, I also think it is entirely unreasonable and misleading when a company with as many resources as Citibank is allowed to solicit business from potential customers with offers that Citibank already knows they do not qualify for. I did not reach to them and ask for this credit card ; they sent me the offer and I accepted it. Further, I think if I did not qualify for the offer they offered to me, they should be required to reject my application and, if they so desire, send me another offer that I do qualify for.

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 2019-01-19 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: Student Loan Debt Agency
State: NH

Complaint narrative:
I went to a college that is no longer open and went bankrupt and I can't go back to school or get a better education so I can provide for my children but I don't have a monthly income I don't even get any money and I'm trying to go back but this has been stopping me for years and not to mention I didn't even finish the semester and I can't find anyone to help me with this issue thanks XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit score has always been in the mid to high 700 's, with no late or missed payments and a steady decrease in credit card debt. My mortgage company, XXXX, advised me on XX/XX/2018, that my mortgage had been sold to a company called XXXX. My mortgage was and continues to be current and, in fact, my latest mortgage payment was made on XX/XX/2018. 

I check my credit score regularly and was astounded to see that XXXX and Equifax had decreased my score by over 50 points, because it was reported that my mortgage account with XXXX had been closed. It was later noted that my mortgage loan had been transferred. I went online, only to see that scores of mortgagees had seen their credit scores drop by as much as 100 points due to the sale or transfer of their loan to a different mortgage company. 

I checked with XXXX and Equifax, both of which told me that there was nothing that could be done until the new mortgage holder began to report on time payments, which could take up to three months. When I checked with both XXXX and XXXX, I was placed on a conference call with both entities, both of whom sympathized with my situation and indicated that the score would be repaired within 1-3 months. 


I would like to know how a mortgagee, without fault, delinquency, missed or late payments could see a credit score plunge simply because his/her loan had been transferred by the original mortgage company to a new entity? What if someone needed to apply for a loan? What is the potential damage to a mortgage holder with such a dramatic decrease in a credit score. Is this even legal? 


I would appreciate your investigation of this practice, since my experience is not isolated, as my simple XXXX search indicated. All I typed in was " My mortgage was sold and my credit score plunged '' and there were multiple accounts ( some even worse than mine ) of instances where credit scores were dramatically damaged without fault or legitimate cause. I pity the poor soul who does not monitor his/her credit score and who applied for a loan, only to be subjected to a humiliating failure to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: TX

Complaint narrative:
This is reference to regional acceptance corporation. I have been constantly lied to by this company. I asked them what the amount was that I owed to bring the account current and so I won't get assessed late fees they have given me so many incorrect amounts I go good for 4 month and then they turn around and say I owe late fees or certain hidden fees that I was never made aware of my payments have always been on time have always been met and they are tacking on all these additional fees and they are not willing to wave any of them or explain in a defenate answer what they are in relation too.

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 2019-01-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
on XX/XX/2018 i purchased one XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. complete run and broken in delivered plus shipping cost for {$3300.00}. Part of the payment was a check for {$1600.00} charger to my credit card from Chase made to XXXX XXXX XXXX. The merchant failed to delivere my product that i paid for. on XX/XX/XXXXi called my credit card company and asked for a dispute form so that Chase could dispute my claim with XXXX XXXX XXXX for the purchase i had made with them on XX/XX/2018. i got a dispute form and send send the form i got a response from chase saying that the sale was legal. after writing to the corperate chase excevites told me that they could not dispute my claim on my chase credit card purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
There was a wire fee of {$15.00}. They shouldn't charge this when I did not get the incoming wire at a proper time. I have done wires at other banks that are much smaller and got the wire on time. 

It's unacceptable that Chase gave it to me so late. I needed to send the money. 

Not to mention when I called the local branch, they were not nice and basically gave me zero information even though they wasted many minutes of my time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-19 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: TX

Complaint narrative:
I have written a request to Transunion Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be 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 explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
sent police report ftc violation and hacking XXXX XXXX, XXXX or XXXX XXXX  fail to look into the ftc violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: TX

Complaint narrative:
I have written a request to Equifax Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
sent police report ftc violation and hacking bbva compass, XXXX  or XXXX XXXX fail to look into the ftc violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc
State: WI

Complaint narrative:
I was contacted and told that I would be sued and arrested  if I did not pay. I requested that the debt be validated because I had no contract with the company. I never received anything.

Company response to consumer: Closed with explanation