vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I don't really know what section my issue goes under. I attended XXXX XXXX university online in XXXX into some of XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.

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 2019-02-23 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: IL

Complaint narrative:
I don't really know what section my issue goes under. I attended XXXX XXXX XXXX online in XX/XX/XXXX into some of XX/XX/XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I don't really know what section my issue goes under. I attended XXXX XXXX university online in XX/XX/XXXX into some of XX/XX/XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.

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 2019-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
XX/XX/19 I was charged {$170.00} on a {$2000.00} balance from Barclays Aviator MasterCard. 

In XX/XX/XXXX I made {$8900.00} in payments and {$1000.00} was returned. ( I made a mistake putting funds in the wrong checking account and contacted MasterCard immediately to inform them ). I was penalized by MasterCard for {$25.00} dollars and thought that was the end of it. 

That penalty apparently wasn't enough, I was then charged interest ( {$170.00} ) on {$7600.00} instead of the {$2000.00} that was my real balance. 

On XX/XX/19 I spoke with XXXX from Barclays MasterCard and was informed that they as a policy ignore the balance on my credit card if a payment is returned and charge interest on a larger amount. She did not believe that the {$25.00} penalty was enough payment for my mistake.

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 2019-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sonnenschein Financial Services, Inc.
State: IL

Complaint narrative:
They are claiming I owe money for a ticket on a car and license plates I have never owned. They are contacting me by postal mail. I have called them to stop, they are rude, laugh at me, and continue to insist I pay them. 

They are threatening judgment liens against me and to have my driver 's license suspended.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 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: NJ

Complaint narrative:
I filed a dispute with Experian advising that an item should not be on my report. The next day I received a message advising that the Collection agency said it was valid. Then my score dropped two points for the same item. It had already dropped two points within the same month. I called the creditor who confirmed the error. I called experian three times with no success

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 2019-02-24 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I filed a dispute with XXXX  advising that an item should not be on my report. The next day I received a message advising that the Collection agency said it was valid. Then my score dropped two points for the same item. It had already dropped two points within the same month. I called the creditor who confirmed the error. I called XXXX  three times with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I received an alert that {$29.00} was placed on my credit report as a collections account from XXXX XXXX XXXX XXXX. I paid that account in full, closed that account, and found a better internet service provider. I believe this fraudulent collection attempt is a spiteful revenge attempt from bright house or XXXX to get back at me for canceling services with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I tried to place a freeze online on my Experian Credit File. After entering all the requested information, I was told they were unable to place a security freeze based on the information I entered. I tried again with the same result. They want me to mail them at a P O Box my name, ssn, dob, address, a copy of my driver 's license, a utility bill, and a bank statement in order to process the freeze. ( To protect my personal information, they will not return the correspondence. ) In contrast, I froze the other two bureaus online in a matter of minutes by giving the same information.

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 2019-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
On XX/XX/2019 a debt was placed on my credit report from a Commonwealth Finance on behalf of a XXXX XXXX XXXX XXXX XXXX for the amount of {$950.00}. 
I then recieved a letter also. Never heard of either of these folks and have never used any of these people who are apparently in another state. I then asked the company in writing for a copy of my identification used to open such an account and they have not responded or provided my identification as proof. Because it is not my account and they have not proven that it is identified as my account through my identification required to open any account I am asking that it be removed from my credit reports because it is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have consulted and entered into a debt counseling agency XX/XX/XXXX. The debt counseling agency has been helping me settle my debts and Wells Fargo credit card is one of the accounts. 

I also have a checking and savings account with Wells Fargo Bank. The debt counseling agency has been in communication with Wells Fargo over settling my credit card debt. 

I received a summons from an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXdated XX/XX/XXXX This summons was given to Debt counseling agency and they are working with Wells Fargo. Wells Fargo ignored the debt counseling agency 's negotiations and not willing to work with the debt counseling agency so in turn they garnished my ENTIRE paycheck including my wife 's. 

XX/XX/XXXX, Wells Fargo garnished my ENTIRE paycheck and also my wife 's paycheck and left us with {$1000.00} to live on. I have a house mortgage, utilities, food that I am not able to meet to survive and now in financial hardship. They went into our checking account and savings account and took a total of {$2600.00} all in one chunk. Wells Fargo did not notify us that this will happen and ignored the debt counseling agency 's negotiation.. 

I am in utter emotional distress that Wells Fargo was able to do this when we are in a debt counseling agency and willing to pay Wells Fargo for my debt incurred. Wells Fargo jumped the gun, was greedy and just wanted to take the money without regard for the consumer and their personal living expenses. 

According to the garnishment law, they are suppose to only take no more than 25 % of the paycheck and not entitled to take the ENTIRE PAYCHECK and my wife 's too. Because we have a joint bank account they helped themselves and stole all our money. 

It is criminal Wells Fargo Bank would help themselves to our bank account. I will no longer bank with them since I know they are under criminal investigations for other bank fraud. I also checked my account and now they charged me for hidden charges which leaves my account at a negative balance. The attorney working with the debt counseling agency knows who we are.so I am not attaching any documents. Please help me get our many back from this scrupulous, dishonest, shady money hungry tyrants.

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 2019-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX we deposited a check from XXXX XXXX XXXX for {$32000.00} into our son 's Chase account to pay for his vet school tuition. Chase, on the deposit slip, said that the funds would be available on XX/XX/XXXX. The funds were transferred from our XXXX XXXX account on XX/XX/XXXX. On XX/XX/XXXX the funds were still not available and the Internet Chase site stated that it would not be available until XX/XX/XXXX. I went to my local Chase Bank and the banker stated that sometimes Chase does this and that he would call them on Monday and make sure that the funds were freed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
During the month of XX/XX/XXXX, I submitted an electronic dispute to Trans Union via their dispute link on their website for this problem. It was submitted and I knew it would be resolved since this is such an old account from over 10 years ago. 
I additionally submitted a hand written letter on XX/XX/XXXX via certified mail with a tracking number and it shows that Trans Union received my letter and it's contents on XX/XX/XXXX. 
It is now XX/XX/XXXX and the discrepancy has not been updated or removed as originally submitted last year. It has been well over 30 days as stated in the Fair Credit Reporting Act and I am submitting a complaint into this with the Consumer Financial Protection Bureau for their assistance in resolving this matter as soon as possible since it is still hindering my credit from progressing.

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 2019-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
During the month of XX/XX/XXXX, I submitted an electronic dispute to XXXX XXXX via their dispute link on their website for this problem. It was submitted and I knew it would be resolved since this is such an old account from over 10 years ago. 
I additionally submitted a hand written letter on XX/XX/XXXX via certified mail with a tracking number and it shows that XXXX XXXX received my letter and it's contents on XX/XX/XXXX. 
It is now XX/XX/XXXX and the discrepancy has not been updated or removed as originally submitted last year. It has been well over 30 days as stated in the Fair Credit Reporting Act and I am submitting a complaint into this with the Consumer Financial Protection Bureau for their assistance in resolving this matter as soon as possible since it is still hindering my credit from progressing.

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 2019-02-24 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: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
Tried to utilize my credit card in XX/XX/XXXX, card declined, I noticed the card was expired, called to have a new card sent out on XX/XX/XXXX, was advised to allow seven business days. Upon ordering this replacement card, i was advised one had been sent previously in XX/XX/XXXX, rep assured me it wasn't activated so everything was fine. Received a letter dated XX/XX/XXXX advising they can't send a replacement card because the account was closed. I called customer service yet again on XX/XX/XXXX and rep advised at that time that i was sent an email dated XX/XX/XXXX advising me the card had not be utilized and that could result in account being closed ; i never received that email and even when back to view my email account after rep verified the address, that email was not located, asked rep if he could resend for verification he stated no and advised i should have received a letter in XX/XX/XXXX about the account inactivity, advised i didn't receive that either as i try to make sure i utilize each of my credit cards/debit cards at least once a year. I asked rep how can i appeal this he advised he would escalate to the office of the President at the organization and i should receive a letter in approximately seven business days of the determination, we verified the address and thus far nothing has occurred. Closing of this account has caused my credit scores to drop over 20 points. I work hard to maintain a great credit history and believe companies, especially those where members are long standing and in good standing should have to validate/approve for an account to be closed before companies close an account for due to inactivity. that 20+ points is very quickly loss, yet very difficult to recover.

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 2019-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I had a hearing in Bankruptcy Court the judge order the servicer to re-file a Notice of sale of my property which is time frame of 90 days so I had enough time to either apply to modified the loan or sale my property because I have equity. 
They never file a new Notice of Trustee 's sale. 
So I apply for modification of my loan and a 3er party XXXX was able to help me to submit the complete package on XX/XX/XXXX when I follow up on the XXXX I was told that they could not review it because the package has to be in the office 35 days before the sale also she mention that they had sent me a letter explaining the detail on the denial of the review for modification, well long and behold they lie they did not had sent out the letter because the next day XX/XX/XXXX I call back again and talk with different agent he mention that they had not sent out any letter, that I had assign a single point of contact and he provide me her information name, email, and extension number. 
Two hours later I call back to reach my point of contact but she was not available so that new representative inform me that a letter was sent out because they can't review my loan modification do to the policy of the company that it had to be received 35 days before the sale date, I ask to email me a copy of the letter and she sent it, I am attaching 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 2019-02-24 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
My XX/XX/2018 Car Payment for Nissan Motor Acceptance was reported 30 days late on my credit report with XXXX, XXXX snd XXXX.The Payment was due XX/XX/2018 and I paid it XX/XX/2018.Thats only 19 days late.They reported it 30 days late.I have done several disputes online and via mail but they claim it was reported correctly.I sent all three bureaus a copy of my bank statement showing I paid XXXX on XX/XX/2018 but they stil would not change it.

Company response to consumer: Closed with explanation