vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-20 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: AR

Complaint narrative:
need original contract singed copy

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 2018-12-20 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: AR

Complaint narrative:
need original contract singed copy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Somebody deposited a check made out to my company name into their account. I use Capital One and the check was deposited to a different Capital One account. I have the copy, front and back of the deposited check, which shows signature and account number of the person account where it was deposited. The bank that the check was made from is XXXX XXXX. They tell me Capital One is responsible for verifying check before depositing. This happened back in XX/XX/2018, I found out XX/XX/2018 and brought it to Capital One 's attention via email with copy/proof of the deposited check by email. I have asked for updates by phone and by email, and have not received so much as a case number or confirmation number to follow up on. I do have all the emails showing I've tried, and their general response, that it has been escalated, but more than 6 months later, is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Applied for a new account on XX/XX/18. I received an e-mail stating that the bank would not be able to open the account and was advised to call in. I called and was given an OFAC disclosure and told to wait 2-3 business days so that the bank could review to determine whether it was a false positive. 

I received an e-mail this morning ( XX/XX/18 ) again stating that my request for a new account could not be fulfilled and similarly advised to call in. I called and again was given the OFAC disclosure. When I told the representative that I had previously called and had already waited the 2-3 business days, he confirmed with his floor supervisor that the account couldn't be opened. I requested to speak to a supervisor and did so. I informed the supervisor that I am not on the OFAC list, but was informed that there was nothing that she could do since the application was tagged as a possible OFAC. I asked what the escalation process was and she informed me that there was none since I don't yet have an open account. 

The CFPB may be interested in researching the inability of this firm to escalate complaints and/or issues associated with the account opening process, particularly for denied applicants. 

Application ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I traded in my XXXX for a XXXX and the delership i purchased the XXXX from took forever to finalize the loan for whatever reason? 
in the process they did not pay off the balance with santander on time and I incurred a late payment on my credit report that affected my score. 
Santander has since provided me with a pay off record which I will attach in this writting, please let me know if you can help with this matter ... I did not intentionally not make a late payment, this was XXXX fault and I want it to be right ... 
best XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: NY

Complaint narrative:
My XXXX XXXX charge account became slightly overdue because the bill was lost in the mail. I have an excellent credit rating - it was up to XXXX recently. As soon as the error was discovered I called XXXX XXXX and paid the bill in full ( it was only less than {$100.00}. ) But, unlike other companies, they reported me as 30 days late anyway. I was told that they would reverse this reporting and restore my rating ( which dropped by XXXX points due to their report ) but they never did. When I asked for an investigation by Transunion I was told that XXXX XXXX confirmed me being 30 days late. I called XXXX XXXX twice and was told twice that they were very sorry and they would fix it but they never did. My near perfect credit rating has suffered dramatically due to one minor  payment being a couple of weeks late. No other credit card has such a policy - especially when they can easily review my credit and see that I am credit worthy. XXXX XXXX manages to send to me sale e-mails practically every day but they never sent me an e-mail warning me that my bill was past due.

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 2018-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
I received a personal Loan offer from Barclays, a credit card company. The letter stated that the loans were being offered@ 4.99 %, but to accept the offer, I needed to connect to the website, online. No customer service telephone number was provided in the letter. At the website, the lowest interest rate available was 5.7 %, and up, ( based on your credit-worthiness ). 
This is just plain False Advertising. 
I tried a few of their links, and some offered loans - less than 35 % interest, but I didn't see anything@ 4.99 % or less. I would like to know, where are these loans are hiding? Since their offer is deceiving, I will look from any local bank, where this does not happen, and I can speak to a real person. 

XXXX is an Invitation number, not a loan. I have their Credit card, but did not originate any loan from them per this generous offer.

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 2018-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: OH

Complaint narrative:
I opened the Discover Credit Card in XX/XX/XXXX and have been using it until now. In XX/XX/XXXX, I realized that the bank has been charging me {$25.00} per month for payment protection fee since its opening. I was not informed about this service at all. I was not aware of this service at all until XX/XX/XXXX. So I called the credit card company and cancelled this service in XX/XX/XXXX. 

On XX/XX/XXXX, I called and requested the credit card company to refund {$1700.00} that I already paid from the opening to XX/XX/XXXX.  However, they said that they could only pay up to 6 months fees ( {$150.00} ). 

It would be greatly appreciated your help on this matter. 

Best Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has continuously harassed, lied and pushed me into forbearance. I had my student loans with them since they took them over nearly 10 years ago. I have more than $ XXXX in student loans and I was forced into consolidating them with another company. Unbeknownst to me, I was bombarded with refinance/consolidation letters from a few companies, but it was always this one company called XXXX. When I was receiving the letters, I was never told that Navient owned XXXX. When I requested my loan promissory notes, they told me to do it online, yet you can not. My biggest concern is that Navient has essentially coerced me and many others into believing they could get student loan help by using this other company XXXX. But, they own the company they are telling you to move to. What a bunch of bull.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and XXXX XXXX made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from XXXX XXXX is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time XXXX  tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.

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 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have credit monitoring with XXXX XXXX XXXX and XXXX XXXX and was made aware of application and account with XXXX XXXX on my Transunion credit report. I have filed a Police report indicating account is fraud and sent necessary information to XXXX XXXX fraud Dept. We have called XXXX XXXX to verify they have received all documents needed and closed account as fraud. I have never been associated with XXXX XXXX and want this erroneous information removed from my file.

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 2018-12-20 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
On XX/XX/2018 I called OneMain Financial to learn about the types of loans they offered and I asked about their rates. After talking to the lady on the phone, I told her not to run my credit because I needed more time to think about it and because I didn't want an unnecessary hard inquiry on my credit if I didn't really need the loan. I told her not to run my credit and she did it anyways without my consent. She was trying to attach the loan to my vehicle and I told her I did not want to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO

Complaint narrative:
I applied for a personal loan with One Main Financial in mid XX/XX/2018. Was told I was approved pending income verification. I submitted my pay stub and they are telling me they could not verify it and red flagged it as fraudulent which is completely wrong. They also said they could not verify the company I work when I work for a large Healthcare System. This is wrong. My income and employment were provided and they have denied me under false pretenses putting a hard inquiry on my credit under deceipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
On or about XX/XX/2011 I contacted XXXX to discontinue services with the company. I asked them to stop services and they made an appointment for the technician to pick up their equipment, they did come and picked it up. Months later I received a bill in the amount of XXXX dollars. I called XXXX and they said I would have to pay this. I told them I discontinued services myself. What other way would they have got their equipment. Since then this has been on my credit report for no reason and I would like it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
XXXX XXXX refused to accept my paycheck stubs for the month of XXXX when i was told just to call back and they would accept them and move forward with the process of keeping my home! my husband and i did everything they ask of us and when it was time to submit the new paycheck stubs they closed my case a month before I stated I would have them! I they lied to me! They also denied us of all loan forgiveness programs because of where we work, how much money we make, and my lack of understanding the process! They acted as if they were tired of me calling and she didn't care about me having children or my husband and i going through an hardship! I feel as though she didn't care because she assumed I was XXXX and lack the funds to keep up! This company is horrible. I was just meet with emotionless humans! I was turned done for loan forgiveness because I was XXXX and have children and my husband didn't have enough money at the time to pay there unreasonable " Payment plan ''! by me believing solely in XXXX and XXXX as my provider and seeing me through this, that wasn't good enough for them! they only cared about collecting there funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: AR

Complaint narrative:
talked with them about rolling payments to end of note they done that but reporting it 60 days late on credit report

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 2018-12-20 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: AR

Complaint narrative:
talked with them about rolling payments to end of note they done that but reporting it 60 days late on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: AR

Complaint narrative:
talked with them about rolling payments to end of note they done that but reporting it 60 days late on credit report

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 2018-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My XXXX XXXX charge account became slightly overdue because the bill was lost in the mail. I have an excellent credit rating - it was up to XXXX recently. As soon as the error was discovered I called XXXX XXXX and paid the bill in full ( it was only less than {$100.00}. ) But, unlike other companies, they reported me as 30 days late anyway. I was told that they would reverse this reporting and restore my rating ( which dropped by XXXX points due to their report ) but they never did. When I asked for an investigation by XXXX  I was told that XXXX XXXX confirmed me being 30 days late. I called XXXX XXXX twice and was told twice that they were very sorry and they would fix it but they never did. My near perfect credit rating has suffered dramatically due to one minor payment being a couple of weeks late. No other credit card has such a policy - especially when they can easily review my credit and see that I am credit worthy. XXXX XXXX manages to send to me sale e-mails practically every day but they never sent me an e-mail warning me that my bill was past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
On XX/XX/18 a Validation of Debt request was sent to Fair Collections & Outsourcing on a debt they were attempting to collect for {$11000.00}. On XX/XX/18 an official dispute was mailed to Fair Collections regarding the same debt identified on behalf of XXXX XXXX XXXX in XXXX XXXX On XX/XX/18 a representative contacted our offices requesting an Identity Theft Affidavit which was immediately provided. On XX/XX/18, the Fair Collections representative advised the collection account was " on hold '' pending XXXX XXXX 's re-investigation ( and trust me, they have ALL of the needed documents too ). As of today, the account is now being reported to our client 's credit histories in clear violation of the Fair Debt Collections Practices Act. Fair Collections was previously in violation of the FDCPA when they reported a second fraudulent lease through another apartment community, in spite of receipt of all fraud documents, pending their re-investigation. This second account has now been cleared by the apartment community and reportedly removed from our client 's credit history.

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 2018-12-20 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and PORTFOLIO RECOVERY made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from ACCOUNT NOW is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time PORTFOLIO tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XXXX/XXXX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company AND Account numbers for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Company : XXXX Account XXXX : XXXX Company : XXXX XXXX XXXX Account # : XXXX Company : XXXX Account # : 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