vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX I never used the card and they closed it without me knowing. I would like them to remove it off my credit I 'm trying to buy a house and this is holding me back

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 2017-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I got a promotional flyer with a new address packet that promoted a {$150.00} Balance Builder Bonus when opening a new One Deposit Checking Account. I went into this local branch and talked to XXXX XXXX about it on XXXX XXXX, 2017 and signed up for this checking account. XXXX went over the qualifications for this including him saying a {$500.00} deposit needed to be made within 60 days of the account opening, among other stipulations. I made the {$500.00} deposit that day, although the bank broke it up into 2 different deposits for some reason. The account was opened for the 90 days as stipulated, and I made a monthly deposit as required. I did not see the deposit so I called their customer service dept and was told it had to be a direct deposit of {$500.00} from an employer or other pay source. I stopped into the office and XXXX said that he would make sure I received the bonus, even if he gave me incorrect information because that was his fault, and to let him know if I do n't receive the bonus by the end of XXXX. I did not receive the bonus and emailed XXXX and on XXXX XXXX, 2017 he received notice the bonus was not triggered and he escalated the issue to a higher realm. I received a call on XXXX XXXX, 2017 from a the Resolution Department with Citizens. The woman 's name was XXXX ( spelling? ). She took the information and said she would contact the marketing department and get back to me. She called me back that same afternoon and said because I did not have a direct deposit from an employer I did not qualify for the promotion. I argued that I was told something different and she just kept repeating " You do not qualify for this promotion ''. I called XXXX XXXX at the local branch office and told him what I was told and he said he would send a problem ticket to another chairman and let them know of the situation. I have not heard anything from anyone since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management , Inc. To Whom It May Concern, Per your web site, you report that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$1800.00} and last delinquency reported XXXX XXXX, XXXX, yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to multiple letters I sent and which you signed for, on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. By not replying in a timely manner to my initial letter you signed for on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
HSBC Beneficial offered to enroll me in their " Skip a Payment '' program for the month of XXXX 2008. I accepted and asked multiple times in person in the XXXX, Virginia office if I needed to make a payment. They told me no. I asked them again if my account was still okay when I went into the same office and inquired about refinancing my home loan through them. They said it was still in good standing. I declined their offer for refinancing my house when they said it was going to have a XXXX percent interest rate. I also asked them if it would alright for me to make both my XX/XX/XXXX payment, which was n't due at the time, and XX/XX/XXXX payment two weeks later. Again, they told me that it would be fine and that my account was still in good standing. Two weeks later, I get a letter from HSBC Beneficial and XXXX XXXX XXXX instructing me to not go into the office and that my account had been turned over to collections. I originally thought this was in retaliation for declining their home refinance offer. It was n't until 3 years later of dealing with XXXX XXXX XXXX that I found out HSBC had charged me for the month of XXXX 2008 and treated it as a non payment. This also coincided with the company I worked for, XXXX XXXX, entering the final month of liquidation thus negating the " account protection '' for which I had been paying for years. XXXX XXXX 's closing was made very public and it seems convenient for HSBC to put my account in collections the same month. Apparently, the account had changed from the XXXX, Virginia office to the XXXX, Virginia office in XXXX of 2008. Again I did n't find this out until many months after discussing options with their collections agents XXXX XXXX XXXX. They told me in person that my account was in good standing and still sent it to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Scenario : Wire transfer from XXXX XXXX XXXX in XXXX to BB & T in USA. Bank in XXXX charged an outbound wire fee and BB & T charged an inbound wire fee, these were independent of the transferred amount. Still, the received amount was {$25.00} less than expected. No disclosure anywhere as to why there was {$25.00} difference. I had to personally go to BB & T to find out why there was a discrepancy. I was told that XXXX XXXX was an intermediary bank and there was a {$25.00} charge for the transfer.

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 2017-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I took out a Parent Plus loan for my XXXX girls to go to college when I was going through a divorce. The original loan was XXXX and now is XXXX. I have tried the forbearance and have asked to receive the income-based application several times in which I never received I can not afford this loan I am single and an XXXX XXXX I barely survive on my own. When it was XXXX XXXX I was able to pay $ XXXX monthly and could do this. Now my payment is over {$300.00} and the interest and loan just keeps getting higher. I am at a loss with this. Navient has not delivered this income based application and I have asked several times. Not to mentioned the multiple emails and calls I receive for non-payment which I can not pay. This original loan has almost doubled. HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Meridian ARG Inc.
State: MO

Complaint narrative:
This company will not quit calling me I do not owe this debt and they 're contacting me telling me they 're going focus come to my place of residence and or employment Contacting my family Number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: MS

Complaint narrative:
Reviewed recent credit report and see that on : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX made an unauthorized inquiry. I did not apply through this company. I have called and sent this company a letter but did not receive a response over 45 days ago.

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 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Chapter XXXX BK has been discharged. I also have multiple Hard inquiries I have requested to be removed multiple times that are still there. XXXX makes it very hard to dispute them. XXXX has BK as DISCHARGED but has XXXX Hard inquires, XXXX has XXXX inquires, Equifax has XXXX. That is a big difference. Also XXXX reports as XXXX late pays when that is impossible during CHapter XXXX. XXXX XXXX is showing 1 30 day late on all and that should be removed as well. The balance is also XXXX not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Chapter XXXX BK has been discharged. I also have multiple Hard inquiries I have requested to be removed multiple times that are still there. XXXX makes it very hard to dispute them. Experian has BK as DISCHARGED but has XXXX Hard inquires, XXXX has XXXX inquires, XXXX has XXXX. That is a big difference. Also Experian reports as 8 late pays when that is impossible during CHapter XXXX. XXXX XXXX is showing 1 30 day late on all and that should be removed as well. The balance is also XXXX not 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 non-monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On X/XX/2017, I sent a letter to XXXX, XXXX, TransUnion to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated 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 2017-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The hold was placed on my checking acct on X/XX/17. My fiance had his corporation who handles military unused medical and part of his bonus. He made 2 deposits of {$6700.00} and 1 deposit of {$7700.00}.
My paycheck was deposited on Friday which was {$190.00}. And this past Friday it was {$310.00}. There is going to, be 2 more direct deposits ... .my paycheck on Friday and sad on the 3rd.
Its .my understanding that the investigator have 9. Days to complete their investigation. As soon as my fiance comes here, he will be added to the account. Bank of America placed a - {$880000.00} on both checking and savings. But have credited the 2 direct deposits and the 3 transfer but the female investigator who is doing this investigation will not get on the phone The 2 corporations that did the transfers have tried calling BOA to confirm they did indeed do the deposits.
I need to feed my child, get my medications., pay my bills and start my life in Arizona . I can be reached at XXXX or XXXXXXXXXXXX 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 monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). We have been advised all information must come through the opposing counsel handling the foreclosure of the loan due to it being listed as a litigation file with the lender - XXXX has tried many times to obtain this information and the lender has failed to provide what is being asked for regarding the review of a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: AL

Complaint narrative:
I have recently become a victim of identity theft and have been in the process of cleaning up my credit report, however I am having a difficult time having Transunion remove XXXX unauthorized credit inquiries from my credit report. I have already contacted Transunion and filed the dispute and I wrote letters to the companies that did not have my permission to pull my credit. I do n't know why Transunion will not remove them. Today is XXXX XXXX, 2017 and the inquiries are still on my report. I would like them removed immediately. The XXXX inquiries in question are 1 ) XXXX XXXX pulled on XXXX XXXX, 2017 and the 2 ) XXXX XXXX pulled on XXXX XXXX, 2017. Please remove these from my file as I did not authorize any pull of credit.

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 2017-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I started a loan with Capital One Auto Financing in XX/XX/XXXX. My loan payment amount is {$580.00} due monthly on the XXXX of each month. From my very first payment to now I 've paid {$600.00} on the XXXX of every month. I called cap one in XX/XX/XXXX to find out my payoff and learned I still had almost XXXX left to pay my car off. I then decided to make 2 payments a month to hurry up and pay off loan. After two months of making {$1200.00} additional payment I called and ask for new pay off. Then I learned the additional monies had not been credited as explained by customer service assoc. I then called XX/XX/XXXX and requested the additional payment scheduled for drafting the XXXX of each month be cancelled, CONTINUING MY PREVIOUSLY SCHEDULED DRAFTS WHICH IS THE XXXX OF EACH MONTH. They said ok, They didnt draft the additional payment in XX/XX/XXXX but resumed the addt'l payment in XX/XX/XXXX. I called and told them I had requested that it be stopped in XX/XX/XXXX and requested a refund for the XX/XX/XXXX payment. That 's when they told me I would be delinquent. I asked how when for 4yrs I had been making my payment the XXXX of each month never late, why when I request that my original request for the additional be stopped Im late. They said it 's theway funds had been distributed. I have included attach to verify I have never missed a payment I pay ahead of time along with an additional few dollars. I have been receiving threating calls. The lastest one was yesterday threating to repossess my vehicle unless I make good of my loan. My loan is good I am required to make a {$580.00} payment each month not {$1200.00} My loan acct # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pretty much I contacted the credit bureaus in regards to them having to show proof of account being mine Transunion has failed to do so and they keep sending the same letter to me over and over. The law states that if they can not provide me with valid proof of account collection being my debt they must delete it from my credit report file. It has been 2 months going on 3 months of trying to work with them on providing me with proof and they have not done so. In the following attachments I am sending everything I have since the day I contacted them and also the letters I sent and what I have gotten in return. Also receipts.

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 2017-08-01 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 is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I Have been trying get the credit bureau 's to correct my information to be accurate and they have not resolved this issue and keep telling me to address with company 's I know nothing about and the company is reporting address from other peoples residence and their accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX was removed, paid in full and removed XX/XX/XXXX. Through Equifax. The amount was XXXX. I was sent confirmation it was removed and paid in full from Equifax dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to XXXX multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called XXXX a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express increased my rate on my card ( a/c XXXX ) from the regular rate of 10.99 % to the default rate of 29.99 % due to a one-time, 2-day late payment. My understanding of the Credit Card Act 2009 ( Sec 171 ) is that default interest is supposed to only be charged after the payment is 60 days late. I believe that they are not acting within the Federal Laws applicable to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MI

Complaint narrative:
On XXXX XXXX 2017, I requested verification from this company of the debt that they claim I owe. They never responded to me, nor did they provide me with the requested verification. It has been 88 days since I requested this information and they have yet to respond to me. The alleged amount owed is {$28.00} yet I was never made aware of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On X/XX/2017, I sent a letter to Equifax, XXXX, XXXX to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated report.

Company response to consumer: Closed with explanation