vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 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: NY

Complaint narrative:
I defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my XXXX and XXXX Credit reports. The XXXX and XXXX  report clearly shows that my last payment was in XX/XX/XXXX, but citimortgage reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written citimortgage and they have yet to respond. when I call citimortgage I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with XXXX via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my XXXX credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from XXXX and XXXX claim that a change had been made, but the derogatory is still on my credit reports. Pls help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: NY

Complaint narrative:
I defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my XXXX and experian Credit reports. The XXXX and experian report clearly shows that my last payment was in XX/XX/XXXX, but XXXX reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written XXXX and they have yet to respond. when I call XXXX I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with XXXX via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my XXXX credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from XXXX and experian claim that a change had been made, but the derogatory is still on my credit reports. Pls help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ref : Credit Freeze and related charges Equifax - Security Breech I was notified that my credit information was included in the Equifax Security Breech in XX/XX/XXXX of this year. It was '' recommended '' that I place a " Freeze '' on my credit line to ensure that my credit would not be impacted and to take their " Free '' one year credit monitoring program. This recommendation came from Equifax and I did take their recommendations. HOWEVER.. 

When I try to place a Freeze on my credit with the other two credit companies : IE : XXXX and XXXX - I 'm required to pay a " FEE '' to place a " credit freeze '' on my credit line with their companies. 

I feel that Equifax is responsible for these " additional charges '' due to the fact that the Breech of security was due to Equifax lack of the proper security on their computer system. Its their fault and NOT mine. Therefore ... and all charges related to placing a freeze on my credit line with the other two companies should be picked up by Equifax.. 

YES ... I understand Equifax have taken " some '' steps to help those who were caught unaware and involved.. BUT ... are " falling far short '' of their responsibilities and " covering/picking up '' the freeze charges from the other two credit companies. 

I have discussed this issue with Equifax and they simply state that is not their responsibility and they will not pay the " Freeze '' charges. 

I feel that the individuals who are caught up in the Equifax Security issue ... ( which is no way their creation but, now involved and at risk ) ... Should insist that Equifax pick up any additional charges that are involved with placing a Freeze on their credit line.. 

IF .... Their Ex-CEO ... can walk out of their company with XXXX XXXX - and take no responsibility.. is SIMPLY Wrong .... 

I want to see something done ... ... and for Equifax to step up to the plate and take full responsibility ... and cover those involved with the security breech. 

By not contacting each individual who " could be '' impacted by the breech ... and not automatically placing " Freezes '' on the credit lines for those involved ... and only doing so ... when a individual contacts them ... is simply wrong ... They are not " Protecting their Clients '' nor stepping up to take full responsibility ... 

Many people are still un-protected..from possible fraud.. 

What can be done???? Better Yet ... .. What will be done..???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hello, I reconsolidated my loans with a new lender, XXXX. They sent 2 checks in early XX/XX/XXXX that were cashed. There was an overpayment of about {$920.00}. I called navient twice to see if the refund was coming back to me. I was told yes by customer service and to wait up to 6 weeks to receive the check. The check never came. I called in early XX/XX/XXXX and spoke to and XXXX at extension XXXX who told me the refund would be going back to XXXX XXXX and that it was cut on XX/XX/XXXX and mailed on XX/XX/XXXX. XXXX XXXX as of today, the XX/XX/XXXX, has still not received the check. I called Navient again last week and spoke to XXXX who said she needed to check with finance to see if they can reissue a check. I was told I would receive a call the next day, which would have been last Thursday and I still have n't received a call. 
As of now I am accruing interest on a balance with XXXX on money that is sitting with Navient. It 's been almost 2 months at this point with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In my three credit reports appear wrong information which could be fixed but the bureaus do n't report the correct information or remove the incorrect one. XXXX XXXX sent to me a letter fixing the wrong report on XX/XX/XXXX about a pay late they were reporting in my mortgage on XX/XX/XXXX by mistake and the bureaus have n't remove from my credit neither fix other wrong information about some debts I already paid and them do n't upgrade my report affecting me in my financial goals. If you need the information I have tell you I can send you when you ask me for. Please help me in this matter as soon as you can because I am trying to refinancing my home and this is stocking me. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i did not open to use below credit card but show up on the credit report. 

capital one A # : XXXX open : XX/2015 {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had a credit card with Capital one that I closed earlier this year. Part of the balance had a 0 % interest rate until XX/XX/17.  Earlier this month I made a {$500.00} payment to pay off the 0 % balance prior to the promotional period expiring. After a few days of making the payment I contacted Capital One to ensure the payment had been applied to the correct balance as I did not want to pay a year worth of interest once the promotional period expired. Long story short, when I called Capital One I was informed that the lump sum payment I made was applied to my other balance and only {$55.00} was applied to the promotional balance. I asked the rep to pay off the promotional balance, but she said she could n't as their policy does not allow them to do that. I asked to speak to a Supervisor. I spoke to two supervisors who told me the same thing. I argued that it was not fair for them to refuse to allocate my payment to my promotional balance in order for them to charge me a years worth of interest come XX/XX/XXXX, but they refused to oblige to my request/demand. In XX/XX/XXXX I enrolled in a Debt Management Plan, and they refused to enroll this card to the program stating the reason being part of the balance had promotional interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Account Discovery Systems, LLC
State: WA

Complaint narrative:
Account Discovery Systems has been repeatedly calling third parties ( all of which are my boyfriends family members, and I do not even have contact information for ) in order to gain contact with me. They contacted the other individuals prior to attempting contact with me. I called back XXXX XXXX on XX/XX/17 at XXXX, pst and she explained that since she had made contact with me, she will no longer call other people. After our phone call, she emailed me a document with payment options and I emailed her back explaining that I would not be able to commit to a payment until the end of the month. Since our phone conversation and email exchange, she has continued to contact people stating that she is trying to contact me but has made NO attempt to contact me personally regarding the collection debt. I feel as though she is using this tactic to try to embarrass me into calling her to settle this debt. She is now harassing the same people by repeatedly calling them even though she has spoken with me and emailed me. After receiving word that she contacted my boyfriend again today, and she contacted his father twice this week, I emailed her requesting that she stop harassing these people and I will be filing a complaint against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I recently tried to cash my paycheck at XXXX like ive done every payday for several years now. This time however certegy would n't let me cash it. I called them and they said there is a bounced check from XX/XX/XXXX at holiday a check to XXXX XXXX  from XX/XX/XXXX and 2 checks from XXXX in XX/XX/XXXX. These were never on my report until recently had ive never had an issue cashing my paychecks before. I didnt write any of these checks so I dispute them. However they said it will be 30 days until anything is removed and in the meantime I ca n't cash any of paychecks and ca n't pay my bills. Because they messed up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have received several unsolicited credit card offers from USAA. When I call to ask them to remove my name, they tell me I have to send my request via fax. Why should I have to do this when I did n't request it? Other companies take my information over the phone with no problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I NEED CHASE TO DO A CREDIT REVIEW ON ALL MY ACCOUNTS IN DATA BASE ON XXXX CREDIT REPORTING HISSTORIES AND VERIFICATION OF PRPOER CREDIT FINANCIAL PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Was on XXXX XXXX and sustained a XXXX XXXX injury that transferred me to the XXXX XXXX XXXX XXXX in XX/XX/XXXX - XX/XX/XXXX. Tried to lower my mortgage payment through loan modification with Wells Fargo as I could not sell or rent my home at that time, was dealing with health issues, and was going through a divorce. Lender Wells Fargo told me to not pay my VA Mortgage, as they could only help me if I was behind on payments. After months of submitting paperwork, and making payments to their modification program, I was denied modification and my VA loan was put into foreclosure ( I was on XXXX XXXX with XXXX XXXX ). Was forced to short sell my home during the housing crisis in XX/XX/XXXX or face foreclosure. Wells Fargo then filed against my VA loan eligibility for the loss in the short sale - this was never communicated it could happen to me by Wells Fargo, or my agent. I still to this day can not get a full VA home loan due to this debt that Wells Fargo fraudulently set me up for. I have spoken with Wells Fargo many times, appealed, they will not help. I asked my congressman, XXXX XXXX to help, and the department of Veterans Affairs does not have a program in place to address this issue. I was taken advantage of during a time when I had multiple XXXX and was under doctors care - as well as being protected by Acts for XXXX XXXX soldiers. I need help, as for 7 years I have tried to remedy this issue and no one will or wants to help me, including the creditor. I was medically retired 100 % VA service connected in XX/XX/XXXX due to my injuries. I communicated my health issues to Wells Fargo, and they took advantage of me while injured on XXXX XXXX with the XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: De Lage Landen Finance, LLC
State: NV

Complaint narrative:
I leased a copier from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$210.00} a month for 24 months. Upon receipt of the lease agreement it was incomplete and an illegible facsimile copy. Many of the details of the lease agreement were omitted such as the total cost of the lease at the end of the 24 months, the original purchase price of the copier and the copier 's serial number. However the lease agreement did indicate my end of lease option would be to purchase the copier for Fair Market Value ( FMV ) which would be provided by XXXX XXXX XXXX XXXX XXXX. At the end of the 24 month lease term which was XX/XX/XXXX I was not provided the Fair Market Value of the equipment nor was I placed on notice that the lease agreement would renew automatically every 60 days from XX/XX/XXXX. However, I did continue to receive invoices every month for an additional 48 months or 4 years for {$210.00}. This means the lease renewed 24 times in 4 years and not one time was I ever notified of the renewal or given the Fair Market Value on any of the invoices that I continue to receive. I have paid an additional {$10000.00} ( {$210.00} x 48 months ). Today I contacted XXXX of XXXX XXXX XXXX XXXX XXXX to inquire why have I continued to receive invoices for 6 years and this equipment still has not yet been paid in full. She explained that after the 24 month lease expired I could have purchased the equipment for {$1100.00} Fair Market Value. I was shocked that I was not advised of the Fair Market Value in any invoice or monthly statement that I had received. I then requested a FMV offer, invoice or statement via email from XXXX XXXX XXXX XXXX XXXX/XXXX to buy the equipment. I received an email stating the FMV or purchase price of the equipment would be {$54.00}. I feel this company has taken advantage of me and charged me an additional {$9200.00} ( {$10000.00} - {$1100.00} + {$54.00} ) over and beyond what the Fair Market Value would have been on XX/XX/XXXX. It is obvious to me that this company preyed on me with their incomplete and illegible lease agreement and would not have EVER provided me the Fair Market Value in their monthly billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc.
State: WA

Complaint narrative:
Bank statesmens had wrong charges on a closed account. 
I made a statement for the bank stated that I did not use the account. 
The creditor agreed to cancel debt and remove from my credit. 

Later another credit collection agency filed the account on all three credit bureaus. 
Named XXXX XXXX XXXX has been reporting this information on my credit. 

They have no proof that I had any debt with them, no identification, no verification, And no signed agreements by me to repay anything or admitting that such debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GreenSky, LLC
State: AZ

Complaint narrative:
I applied for a credit card with a local landscaping merchant, and they utilize Greensky as the credit provider. We were assured at the time of application that no interest would be charged if paid in full within 12 months. The charge totaled {$1300.00}. Upon receiving the first statement we noticed interest was being charged, and it was noted on the statement : " If you pay the Current Pay-Off Amount of {$1300.00}, plus any additional purchases or fees by your Promotion Expiration Date, XX/XX/2018, your account will be credited the Total Interest Charged for this statement of {$31.00} plus any additional accrued interest. '' we have made approximately 5 payments as of today. Our most RECENT statement shows a balance of {$1400.00}, along with the statement : " If you pay the Current Pay-Off Amount of {$1200.00}, plus any additional purchases or fees by your Promotion Expiration Date, XX/XX/2018, your account will be credited the Total Interest Charged for this statement of {$120.00} plus any additional accrued interest. '' As someone who works for a major financial institution, I have a lot of issues with this matter. Interest is being accrued each month, on each statement. While on the contrary, we were assured no interest would be charged until AFTER 12 months, if the balance was not paid in full by then. By the account accruing steady interest every month, on every balance, it is not providing a true total for what is due. It appears that Greensky is producing the following : unfair and deceptive trade practices pursuant to state law ; violation of the Truth-In-Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which requires full disclosures at the time the application is provided to the consumer of all financing information ; and violation of state and federal law requiring Greensky to disclose the terms of the financing contract, the consumers right to cancel, the rates, conditions, and the required legal disclosures. 

Each month we pay on our bill, we still receive an increased balance the following month for interest that should not be charged. This means we will have to pay the increasing balance in full BEFORE receiving our interest return, which is not what was advertised. A full investigation into this matter will be necessary, as external research have suggested Greensky has multiple complaints and prior class action lawsuits regarding this same matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
When I opened my checking account with Capital One 360 I was enrolled in a promotion " Open a new Capital One 360 checking account by XXXX XXXX, 2017 and receive two direct deposits of {$250.00} or more within 60 days of accepting the terms. You must also use the reference code XXXX. '' I entered the promotional code and completed the requirements of the promotion as required and never received the {$400.00} bonus stated in the terms.

Company response to consumer: Closed with explanation