vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX, I was not late 30 Days XX/XX/XXXX, I was not late 30 Days XX/XX/XXXX, I was not late 30 Days XX/XX/XXXX, I was not late 60 Days XX/XX/XXXX, I was not late 90 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a dispute online on a debt with XXXX XXXX Hospital that has been settled. This was confirmed by a representative of XXXX when I asked him to look at my old file. He said that the old debt collector has instructed XXXX to delete the negative report on the supposed debt. I asked XXXX why it would accept a file from a new collection agency, XXXX, on an old debt that XXXX   acknowledged has been settled. The rep said that it has no control on who files what on credit reports. 

On the online dispute I filed with XXXX, I just received notice stating that the debt is confirmed by the creditor, but the creditor it listed is the collection agency, not the original creditor. I do not think XXXX did any investigation other than asking the collection agency, XXXX, to respond to the dispute I filed with XXXX. The provided contact number and address of the original creditor turned out to be those of the debt collector, XXXX XXXX. 

XXXX is being irresponsible in just accepting the report of the collection agency even though its own representative, informed that this is an old issue that has been settled, still went ahead and reported that this debt has been confirmed as valid based on the say so of the collection agency. 

I think the collection agency is being clever by half in changing the amount owed from the original amount of {$1500.00} it filed to now {$1500.00}. I suspect this is to throw off XXXX to think that this is a new debt.

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 2018-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citibank checking and savings account because they directly advertised a promotion to me when I logged in to my citi.com account. The promotion was a {$400.00} bonus that would be added to your account after meeting requirements. The requirements were that the consumer was to deposit {$15000.00} and maintain that {$15000.00} balance for 60 days. The terms stated that the bonus would be credited within 90 calendar days. The account was opened on XX/XX/XXXX and the {$15000.00} was deposited on XX/XX/XXXX. I contacted Citi on XX/XX/XXXX and the rep confirmed I had met the requirements and told me they were positive the bonus would be credited on XXXX. It was not credited on XXXX. I contacted Citi again and the rep again confirmed that I had met the requirements and said that they would escalate to the promotions who would credit within 2 business days. I contacted Citi again on XX/XX/XXXX and the rep again confirmed that I had met the requirements and said it could take up to 5 business days at most from the initial escalation. I contacted again XX/XX/XXXX and was told there it was with the promotions team and refused further help. As of XX/XX/XXXX, I still have not received the bonus that was advertised to me and I met the minimum requirements. 

I believe the way Citi is handling this issue is unfair to the customer. I believe Citi should honor their promotions that they advertise to clients. I feel other consumers should know about Citi 's practices. 

I printed the promotion page to PDF and took a screenshot when applying. Those will be attached.

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 2018-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Penn Credit continues to call not only my cell phone BUT also my work Phone several times a day. I have asked them to stop and they still continue! 

I have nothing owed as I have had attorneys who have worked with two companies in that past yet random dept collectors still try to call for the same thing that has been taken care of 2 years ago! 

This needs to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: ID

Complaint narrative:
Bought a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. Terms were very high but I was in need of a car that ran. Well 22 days after purchase the timing belt broke and they towed it to their mechanic at XXXX XXXX in XXXX WA. Three weeks later I get my cruiser back and the AC was broken, overheated like crazy and had silver flakes in the radiator! I called XXXX and spoke to XXXX. She said to bring it back in. They offered me another car to trade out the Cruiser and took my contract and put it in the shredding box. So I have this XXXX XXXX XXXX and it starts to overheat and engine is loud so two days later I called and told them Im returning the Van and done with their company ect. Got a refund {$1200.00} back and thought I was done. Weeks later my credit report says I still owe money XXXX and account is still OPEN for the XXXX XXXX! The XXXX XXXX  isn't on my credit reports at all. XXXX said I had to write a letter to XXXX to dispute the credit report. I've been trying to call their corporate office for months and not one person has returned my calls. Im trying to finance another car and my terms are toi high because it looks like I still have that XXXX! I need to have that XXXX XXXX  off my credit reports! This is unfair. They say I voluntary repossed the car and I defaulted on a security agreement. They never said anything to me when I turned the keys in at all. This is fraudulent.

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 2018-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
PennyMac is attempting to foreclose on my home with fraudulent robo-signed assignments. We were in the process of working out a modification while at the same time PennyMac was publishing a sale date for my home. This along with other concerns defined in the attached documents is clearly defined as Dual-tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my second complaint regarding unauthorized inquiries on my credit report that I did not make. I have asked Experian and XXXX  to investigate and delete the following unauthorized inquiries : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any others are okay and were authorized, Please delete the ones listed as unauthorized. I also have requested that Experian remove XXXX XXXX XXXX from my report. It was removed previously through XXXX  and XXXX   because the debt was unable to be validated with a contract and signature. So Experian needs to follow suit under FCRA reporting laws.

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 2018-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
I recently learned that I should have received information about the PSLF program when I started making payments in XX/XX/XXXX on my federal student loans as I was employed in a XXXX XXXX. Unfortunately for me, I learned in XX/XX/XXXX that I needed to consolidate my loans in order to qualify for the PSLF program under a different plan ( income-based repayment plan ). I have reached out to my loan provider ( XXXX XXXX ) and searched on the Dept. of Education 's website for information on how to get those four years of payments to count towards my PSLF. However, XXXX XXXX told me that since they were not in charge of my loans prior they can't help me. Also the Dept of Ed. website gives a phone number for contact but the phone number is to XXXX XXXX. I am reaching out the CFPB because I read that other people are dealing with this same issue. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX  XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my second complaint regarding unauthorized inquiries on my credit report that I did not make. I have asked XXXX  and Transunion to investigate and delete the following unauthorized inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any others are okay and were authorized, Please delete the ones listed as unauthorized. I also have requested that XXXX   remove XXXX XXXX XXXX from my report. It was removed previously through XXXX  and Transunion because the debt was unable to be validated with a contract and signature. So XXXX  needs to follow suit under FCRA reporting laws.

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 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have contacted and sent letters to Equifax on numerous occasions regarding the new law that took effect XX/XX/2017 regarding Public Records, Tax Liens and Civil Judgements. Equifax refuse and have yet to remove my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IN

Complaint narrative:
Still at with Lexis Nexis. At last count, 39 Disputes. As of XX/XX/XXXX the fix has been ; We have now no Car ( we own one ) We have now no Home, no Home at all. We bought, own and maintain a Home since XX/XX/XXXX. 

The previous property listed prior to XX/XX/XXXX we walked away from. A Home Listed in A Bankruptcy that was discharged in XX/XX/XXXX. My one of many deliberate reasons I have issues with Lexis Nexis. XXXX Deliberate as I have disputing this among many more created and stubbornly refuse to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX have

reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX  Chase Auto - Inquiry From XX/XX/XXXX Est date of Removal : XX/XX/XXXX This Inquiry was not me. this is a result of identity theft. 
I was paying XXXX XXXX & XXXX XXXX XXXX to fix this and it never was removed from my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company pulled credit as Mortgage without my consent. I advised that I had XXXX report that could be provide I am not applying for mortgage

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 2018-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: EDvantage LLC
State: MA

Complaint narrative:
Loan Refund is what is due!

Tuition Options, endorsed by the XXXX XXXX XXXX, secured my student loan. I have contacted Tuition Options on several occasions. My loan to attend the defunct school should be returned and I am asking for your assistance. 

Please see finding of fraudulence by XXXX XXXX XXXX, XXXX Ma in text below. 

XXXX XXXX Announces XXXX XXXX in Debt Relief for Thousands of Massachusetts Students Who Attended XXXX XXXX XXXX Former For-Profit School Admitted to Lying and Violating Massachusetts Law ; U.S. Department of Education Takes Unprecedented Action to Cancel Student Loans XXXX Nearly 4,500 students victimized by the now-defunct XXXX XXXX XXXX ( XXXX  ) in Massachusetts will have their federal student loans forgiven by the U.S. Department of Education, Attorney General XXXX XXXX announced today. The announcement marks the first time the Department has granted a state attorney generals application to cancel loans for a group of defrauded students. 

According to the Department, students who attended any of XXXX five career training schools in Massachusetts XXXX, XXXX, XXXX, XXXX, and XXXX will have their loans discharged based on deceptive and illegal practices uncovered by the AGs investigation into the former for-profit school. In addition to federal loan discharges, former XXXX students will also be entitled to refunds of any payments made on their federal loans. The combined borrower loan discharges for XXXX students announced today will total roughly XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received an unsolicited and unwelcome offer for credit from Capital One, even after I have contacted the 3 credit bureaus, had my credit frozen and been put on the list to opt out of credit offers ( years ago ). I find this particularly offensive since they have such low customer satisfaction ratings and complaints of unethical behavior from consumers online. This unsolicited junk mail is unacceptable and I will escalate this further if my name is not removed immediately from any future correspondences and any information is not restricted/deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I switched internet and cable television providers and ended up having a final bill that was owed to XXXX XXXX XXXX. After transitioning to the new service provider and automating the payments for the new account the outstanding bill for XXXX XXXX XXXX was no longer set up for payment. 

I was not made aware of the outstanding balance until I recently began looking at my credit report for a home purchase that we're trying to make and it showed a collections account for {$91.00} from XXXX XXXX XXXX and is reporting negatively on my report. 

I contacted Diversified Consultant to see what was going on. I asked them if they could provide some proof of attempts to contact me regarding the debt but they were unwilling to help repeating there company line " it was an attempt to collect a debt and they could only take payment for the debt ''. I requested a supervisor asking them to please remove the reporting to the bureaus because they had not adequately done their due diligence in trying to collect the debt before hand. 

I am happy to resolve this but I am not happy about {$90.00} effecting my credit score and the arbitrary practices of XXXX XXXX XXXX and Diversified that are preventing me from securing the financial benefits that I need to help build my financial future. Please help anyway you can to get this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 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: AZ

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Syncb/Walmrt inquiry from : XX/XX/XXXX est date of removal : XX/XX/XXXX this is a result of identity theft. 
i paid XXXX XXXX & the credit people to deal with this.

however, This Hard Inquiry is still on my 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 non-monetary relief